Your problem w/LTD folks is not uncommon at all. Most of these companies drag their, pass your file around to different people to handle. In the meantime, one tells you they need this from the dr and when you get it and are ready to send it, someone else has your file and of course that person needs something els too. Its a vicious circle.
As with most companies they require folks to apply for SSD, why, because it saves them money. When peeps get their SSD approved as in your case, LTD does not have to pay you the full benefit. For instance, lets say your LTD is $1,800.00 a month and SS pays you $1,400.00, all the LTD folks have to pay is the $400.00 to make up the difference. Its a crock of sh** if you ask me.
UNUM which is big LTD company was exposed this past year and fined for their handling practices. They would delay, delay, paying the person their benefits holding out to see if the person got approved for SS or not. They would do the run around of different peeps handling a person's claim and each new person would ask that you obtain more info, just kept passing the file around, stalling.
If your company is not paying you your benefits, please look up the State Board of Insurance for your state and contact them to file a complaint. Unless us little people keep nipping at their heels, they can screw us around all they want.
By the way, it was a very high up ex-employee that blew the whistle on UNUM. They were told to deny claims first, then if a person got the info needed, rather than pay up, keep passing the file around.
Good luck and let us know how things go....Susie