Add Comment Question: I am on LTD for Heart Failure for 1 yr now. I have a bad shoulder problem worsening , My employer is not aware, I am city bus driver for 10 yrs.thats hard on the shoulders. Trying all types of rehab and have a good family dr involved. He said next step a specialist to get involved. Can insurance cut me for this, How should I handle this. Thanks Answer: As long as you remain medically unable to work, your insurer should not be cutting you off or forcing you back to work against doctors recommendations, regardless of the new condition. Continue to provide your insurer with your doctors reports and if they try to end your benefits for any reason before you're cleared to work, contact us again ASAP and we will help. 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.