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What's happening here is that the employer's workers compensation coverage carrier is denying liability, which is their right to do. Don't put much validity in the "independent medical examiner" - they are not independent and they are hired by the insurers to deny coverage...that's their job. You need to dispute asap that denial by filing a workers compensation appeal. You need to hire a workers compensation attorney because these cases are too complicated to be handled by someone who is not trained in such matters. You'll then have your treating physician to rely on for medical opinions to get you that surgery. I would not pay out of pocket for the surgery (unless you really, really need it now)until the claim was finalized.
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