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Force you? They may not be able to force you but you should get your policy out and see if your benefits depend on following your recommendations. This is a better question for a lawyer to answer.

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Q: When collecting long term disability can your insurance company force you to have surgery if the precedence does not guarantee that you will return to work?
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A guaranteed renewable disability insurance policy guarantees that you can renew it; in other words, in the event that you do become disabled, and you are collecting disability payments under your policy, they are not going to tell you that since you are disabled, you do not qualify to renew the policy (which, of course, would entirely defeat the purpose of having bought the insurance in the first place, which is to protect yourself from financial hardship in the event that you become disabled).


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