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It is not likely they would be held liable if something goes wrong.
They would say that they didn't force you to go back but just said they would not pay you benefits.
I suggest that you retain a lawyer to assist in the appeal as the consequences are very significant and you need to do this correctly.
And if you think a patient will be harmed if you return to work then of course you cannot return. Doing so hoping the insurers would be liable is exceedingly risky for you as well as for the patients.
I cannot speak to you on the telephone. I know the site offers this service but the site is based in the US. In Canada the rules of my law society prohibit me from speaking to you on the telephone as you are my client.
I don't understand what your question is about "Own Occupation".