Unfortunately that is not how insurance works. You can lower your deductible by paying a higher premium, but the insurance company makes more money on that. The insurance company would lose if a small number payed for a higher benefit, unless they raised ALL policyholders a higher amount as well.

Insurance companies are in it to make money.

I can't remember which nordic country it was, but one of them used to have world famous unemployment insurance. 100% match for your previous income, for 5 years. They looked at the numbers, and the vast majority got a job at 5 years, plus a few days.

They changed the benefit amount.

LTD is a wonderful insurance backstop, but it should not be such a sweetheart deal that it incentivizes its' use. And most of us would balk at the premium if they made it that attractive.