LTD- mandatory rehabilitation and treatment

[Guest AliciaD]

Our LTD is fully insured and the insurer wants us to move to a new contract which requires mandatory rehabilitaion for any job, not just the occupation the clamaint had. The contract also has multiple proof of loss provisions that the employee must follow to continue receiving benefits and the employee must follow their physicians recommended treatment plan including medication and therapy. The premium rate for the benefits under the new contract is not significantly lower. My question is: Is this the standard type of LTD contact now being offered and are there any legal ramifications to requiring mandatory rehabilition and treatment?