Musculoligamentous pertains to both muscle and ligament. The term is used when referring to injuries like lumbar sprains and injury to the cervical spine.
lower back treatmant for this
It is a medical term for describing common "back strain". It actually refers to all soft tissue injuries of the lumbar spine. Soft tissues are the muscles, nerves, ligaments, tendons, and blood vessels around the spine.
I think a judge is more likely to believe a health care professional over a health insurance professional but you never know, more opinions would help a lot.