I do not understand how a “medical review team” who has never laid eyes on my wife can say she is able to return to work when her doctors who see her on a regular basis have documented that she can't

My wife fell three years ago and broke her back. She has been found permanently disabled and receives Social Security Disability Benefits. She has also been receiving Benefits from Mutual of Omaha on a long term disability policy through her employer at the time of her fall. They are now saying that, based on their medical teams review, she can go back to work even though her doctors who treat her say she cannot. She is unable to set or stand for long periods of time, can only walk short distances, can not drive due to no feeling in her feet and legs from nerve damage. The doctors that she sees at Cleveland Clinic as well as her family doctor here at home in West Virginia state that she has reached her full maximum potential. We depend on this money to pay our household bills. We do not understand how a “medical review team” who have never laid eyes on her can say she is able to return to work when her doctors who see her on a regular basis have documented that she can not. Please help.