I’ve heard that insurance companies continue to check on your status. Do I have to have my doctors fill out new forms about my disability?

Generally speaking, an insurance company does have the right to get periodic updates from you regarding your condition.  Our experience is that these updates tend to be more frequent in the beginning of your claim and then, if the insurance company is convinced that you have a serious disease or illness that will likely disable you for a long time, the reporting becomes less frequent.  Every time they ask you to fill out a form you should fill it out.  If your forms are delayed going back to the insurance company, they may terminate, suspend, or delay your benefits.