Does Prudential offer lump sum buyouts? Can I move out of the country and work elsewhere and still receive payments?

I was making almost 200k a year working at sea when I was shattered my legs in a car accident and messed up my legs to where I have permanent difficulty walking and maintaining balance. ( no way I can work on a boat in rolling seas). My policy gives me 80% of my previous income or 3500 a month, whichever is less. I’ll be coming up on the 2 year part of the “Own occupation ” clause of my policy and they said that would be wanting me to start looking for work in another occupation. There is no way that I will be able to find a job making what I previously did. In fact they said I need to make close to 50 dollars and hour for them to consider me ” gainfully employed”. And yet I still expect the denial at the end of 2 years as a matter of their SOP. If I get a job making 2k a month will they still have to make up the difference on the 3500? I will be able to work soon, but my earning capacity has diminished greatly. Do they offer lump sum buyouts? Can I move out of the country and work elsewhere and still receive payments?