I can’t see how a company can legally do this

My wife Vivian worked for a Md. Hospital as an R.N. She had long term disability and short term disability policy’s partly provided by the hospital. She developed back pain and fibromyalgia that got progressively worse. As a result of that pain she saw several doctors and was prescribed many different pain medications, and was not able to work. She applied for short term disability and received that for 6 months. Then applied for long term disability through sun life, her long term disability provider. She received that for 18 months. During that time the company made her fill out many pages of reports including her doctor several different times. Then they called her and said they were going to stop her payments because their doctors considered her not disabled anymore. But they were going to offer her a settlement of 13,000 dollars. To settle her Claim that she turned that offer down. I forgot to tell you that she applied for social security disability during that 18 month time period and was approved. My wife called the company and asked them if they were aware of her taking morphine 5 times a day. The agent said he would inform their adjusters of that and he would get back to her. He call her back and said they were still going to stop her payments. And as of today payments stopped. We will lose our home, cars and file for bankruptcy. I can’t see how a company can legally do this? There is absolutely no question of her disability.