So, I've been physically unable to work for 16 months now. I am receiving LTD payments from my former employer. I get phone calls, letters, etc on a monthly basis. It's ridiculous. I spoke with my PCP yesterday and he agreed that their scheme of finding any way out of having to pay my LTD benefits that I paid for over 10 years is ludicrous and thinks they are teetering on the line of illegality Anyone dealt with these scum bags? I need advice on how to not be anxious and defensive about their constant requests, letters, and phone calls. I'm at the point now that I have a monthly PCP visit just to appease them. Help!