ERISA laws were, in theory, created to protect beneficiaries, but they've have the opposite effect. Work Comp laws are just as bad in many states.

Have you applied for SSDI yet? Has your insurance company made that demand, yet?

My very inexpert observation is that they seem to tend to stack paperwork with deadlines that you need to comply with for both SSDI AND your LTD policy simultaneously to overwhelm beneficiaries.

Be very careful what you put in writing and say in interviews to the LTD company. Do not do anything that might look remotely questionable outside of your home. They will hire private investigators to follow you and video your activities. They tend to ramp up these type of investigations when they are determining if benefits will be ongoing.

Doctors are not any better making these kinds of decisions either, btw. They tend to err on the side providing a paycheck and their reports are often full of glaring errors. Utilize your appeal system or whatever the system allows and make sure you do it in a timely manner.