I'm lost here too. I was injured in a motorcycle accident in Apr '14. I received 6 mos of STD bennies which were pathetic. That ended in Oct, and I've not been paid a dime since. I tried two mos. before STD expired, but Aetna claimed I wasn't in their system (20 year UPSer). Now they say they can and will take up till Jan 9 to approve OR deny my claim, but that they will reduce whatever amount I receive by the $ amount I get as a disabled veteran. I receive my VA bennies as a driver, but not on LTD for a different injury!!!?? I think there's a lot of fine print that's left out of our contracts. What a joke!!!