What is the next step after Unum denies my appeal? Do they usually settle with a lump sum or continue monthly payment?

I had been receiving L.T. benefits from Unum Insurance for 24 months. Was denied further benefit 24 months. Define disability as any job. My doctors have not released me to work. I did as they said filed appeal on my own. Received denial letter last week. I request all the information use in their review. I have also contacted the insurance commission as no one will hire someone who has not been released by their doctor. My next step is hire attorney and take them to court? How do they usually settle, lump sum or continue monthly payment? Do I have a choice if I prefer monthly payments? I was employed 23 years with same employer. Thanks!