Generally speaking, a long-term disability insurance company cannot direct that you have extensive surgery. However, there have been circumstances where a claimant refused to undergo relatively simple surgery, which all of the doctors agree would have allowed the claimant to work. We have seen courts deny long-term disability payments in that situation. However, generally with the issue of extensive surgery and conflicting medical opinions you will not be penalized because you decide to not undergo the risk of surgery.
Click on this link for more legal information that can help your case. The Five Deadly Sins That Can Wreck Your Injury Claim.