So sorry you had such a miserable visit w/ that agent. You certainly do need to vent!!!
I have SSD, but not LTD, my DH has both - but what a fight it was to get the LTD. They truly don't seem to want to pay the monthly amt, even tho you pay for this ins for yrs.
We fought for it for quite awhile, bc our pcp wouldn't confirm my DH was totally disabled. It was a nightmare for close to a yr.
While we haven't had any agents come to the house, we do get phone calls, followed by paperwork that MUST be filled out w/i so many days or we will lose the LTD. I'm sure we will continue to get this nonsense for the next few yrs till the LTD runs out.
Is there anyway your drs could write a report for you? You haven't said you are 'unable to do anything', but you certainly have enough health issues that you aren't able to hold a pt or ft job.
I found it creepy about them following you to your Church, too. That is most certainly a place of peace and prayer, you should be able to go there to calm your mind w/o having to answer to anyone.
I hate to see you give up benefits you worked for and paid for - pls see if any of your drs will help you if the outcome isn't favorable. If necessary, also contact your atty.
My DH gets LTD & SSD, they just subtract the amt of LTD from the SSD amt until the LTD contract runs out in a few yrs. Then he will get that same amt, but just from SSD. You can get both together. One of their agents should have given you a date (month & yr) for when the LTD finishes up. We were told a cpl of yrs ago when it terminates.
I will keep you in my prayers for a positive outcome - and I hope it comes soon.
God bless. Alice.