Met-Life lied to my face. They know I don't have the money for these constant visits, but they don't care

I have been employed for 20+ years at Goodyear w/Met-Life as the LTD carrier. In Aug 2014 I went down with my knees unable to support my weight-degenerative failure + Osgood Schlatters disease (soft tibia bone). Was advised by several Doctors to try knee replacement w/high risk of failure due to weight and condition. I replaced one knee 08-2014 and the second 01-2015 and worked through re-hab. I tried to return to work on 07-2015 hoping pain would subside and knees would be normal. Instead, pain worsened and I had to go into pain management to include use of Morphine to quell pain. Multiple times Met-Life denied the claim or failed to approve the claim stating my doctors were not sending information. I checked with Doctors and they had been all along. To include one day when I stood there and watched them fax info off and receive an acknowledgement of receipt. Met-Life lied to my face saying they still hadn’t received it until I said I had watched it. Every month or every other month I have received a letter (since going back out on LTD in Nov 2015) stating the claim was going to be denied for different reasons. The latest letter says that as of 06-25-2016 Met-Life will no longer approve LTD benefits because I should be able to work now. Despite my doctors having provided them with the Goodyear standard work tolerance report indicating I should not work. I can’t walk without assistance, wheel chair etc, I can hardly stand and am currently on morphine to the extent I cannot work or focus long on much of anything without napping. I believe that Met-life systemically engages in these tactics knowing that I do not have money for these constant doctors visits and it is more than just an inconvenience it’s actually painful to go out constantly. I need help…