My insurance company is evaluating "non-medical barriers" to my return to work. What are non-medical barriers? I am currently on LTD as a caregiver to my spouse who has a terminal illness.

These are typically factors that don't relate to your current health conditions but your overall situation as a whole. Generally, while on LTD, you need to be considered totally disabled from working in your own or any occupation, so they are working to determine if they think you meet that definition.
If you run into any issues or they try to give you a hard time, please reach out to us ASAP and we will help (our phone number is below)