Hi there. I am sorry to hear you are going through this. I remember your post from a few months ago (RTW and Insurer causing problems - #3 by Caro). I gave you some advice on this and unfortunately it seems I was right. The system is just not setup for this. I give you credit for trying and it’s a shame you’re now being punished for that. I think that question is a tricky one and I agree with just repeating over and over “Pt is permanently disabled. No recovery expected”. I wouldn’t stress too much about it, it won’t help. You were on LTD for 7 years so I am sure they won’t put up too much of a fight. Good luck.
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