I don't trust Cigna

I have been on New York Life LTD since 2008 (from STD). They flat out cut me off in 2010 and I had to go through their appeal process. They then offered me a settlement with math generously in their favor in 2011. Under an attorney (who knows me and my condition)’s advice I declined. They are now claiming they are “confused about my functionality.” Do I have to attend New York Life's “Sedentary Functional Capacity Evaluation” at their selected practice (entitled “Rehab at Work”) to solve this matter or should one – or two or even three – of my treating physicians be able to provide the information they need? I don’t trust New York Life. [I have more medically disabling problems than doctors have sent them, but I’ve always preferred to keep it that way so that small improvements in them can’t be used as a reason to suddenenly d/c benefits; those small improvements don’t last or affect my overall disability status. I learned early on that simply having two weeks of help from epidurals are enough for them to try to take away benefits.]