I personally don’t think so. If the policy was effective then she would have been covered for disability. Nobody would need to see or find the document. To me there’s no reason to stage it like that, that would benefit MS.
I’m sure Teresa had short term and long term disability policies. So if she was unable to work they would receive 10k a month to get by on their bills until she recovered or in case she didn’t. Most people have these policies in effect, even if they don’t have a large income like Teresa did.
To me, the only person that would’ve had any motive to stage this document would be CWW.