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It is difficult to define with precision what constitutes “reasonable” or “appropriate” medical care. Both TMS and ECT are not without their detractors and any insurer that cuts-off benefits solely on the basis of a claimant’s decision to seek alternative treatments should proceed with caution. That being said, the insurance company may take a refusal to undergo treatment as a basis for terminating disability benefits. If benefits are terminated as a result of a claimant’s refusal to undergo treatment being recommended by his or her specialist, legal advice should be obtained to determine the chances of success in proceeding with legal action.