Add Comment Question: I am currently on LTD and the surgeon that I am under the care of has stated that the only thing that he can offer me is an invasive surgery. Can my insurer cut off my benefits if I don't want to proceed and assume the risks of this surgery? Answer: I'm going to email you about this directly. 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.