Please help! Does AETNA have the right to force you to apply for SSDI? I am getting threatening letters stating that if I do not apply by a certain date they will reduce my LTD benefits by the amount that they figure I would get if I did apply. Can they do this when UPS and Teamsters say I do not have to file for SSDI. The union contract states I get LTD for 5 years. No where does it state I must file for SSDI. Anyone having issues with this? Thanks