Ionic polymer metal composites (IPMCs) are an emerging class of electro active polymers (EAP), which have many potential applications as sensors and actuators. Recently, IPMCs have been intensively studied because of their huge potential in medical, mechanical, electronic, and aerospace engineering. However, before the benefits of these materials can be effectively exploited for practical use, a mathematical model must be established to enhance understanding and predictability of IPMC actuation. The coupled electrical-chemical-mechanical response of an IPMC depends on the structure of the polyelectrolyte membrane, the morphology and conductivity of the metal electrodes, the cation properties, and the level of hydration. With this in mind, the purpose of this study is to establish a finite element model for bending behavior of IPMC beams. With reference to their operation principle, it is assumed that an IPMC beam has three virtual layers. We draw an analogy between thermal strain and real strain in IP MC due to volume change. This is a coupled structure/thermal model, and the finite element method is used to solve this model. The ion concentration distribution in the IPMC boundary layer is mimicked with the temperature distribution, and the electromechanical coupling coefficient is mimicked with the thermal expansion coefficient. Theoretical and experimental results demonstrate that our suggested model is practical and effective enough in predicting the blocking force of IP MC strips for different input voltages and strip thicknesses.