Add Comment Question: My insurance company wants to send somebody to my home to stay with me for few hours to see how I move around the house. I have been on LTD for 5 months now. They say they don’t have a clear picture from my doctor. What should I do? Can I decline their house call? Answer: You can ask the insurer to show you where in the Ltd policy it says that they have the right to do this. If they can’t point to such a provision then you should be able to refuse. If they cut you off, call me or email me ASAP and we will help. My contact info is below. Your Comment * Your Email * Your Name * Your City Note, your name, city and email is not displayed on the website. It is used to notify you that we have approved your comment.