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?

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.