I am on LTD. An expensive treatment was requested by my psychologist. The insurance company is refusing to cover the expenses. Am I obligated to undergo the treatement and pay for it?

If you cannot afford such treatment, then you can speak with your psychologist to determine other options. The most important things is that you're still receiving treatment and following recommendations. Work with your team to figure out what that means for your treatment if the recommended one is unattainable, and if you insurer tries to give you a hard time at all, please contact us ASAP and we will help.