One way to find out if LTD is being truthful is to look at your policy which is probably impossible to find on paper, but it could be online if your employer has a webpage for employee benefits. Or it could be on the LTD website too. Or you could just ask them to send you a copy. Life is always better for us WC fighters to have EVERYTHING in writing.
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I think I probably have to continue with the wc claim because I'm sure my insurance co. wants their thousands of dollars back, and std probabaly wants to be reimbursed too if it is declared work related.
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That kinda seems like its right to me (knowing how sh***y the system is). Give Info and Assistance if you want to be assured that is the case.