Monica, here is my original reply to you, I just located it as I had posted it on the wrong thread

You are correct, LTD can (and often does) refuse benefits even if a person is collecting SSDI, as they each use their own criteria when deciding a claim.
They are supposed to factor in the weight/credibility of a favorable SSDI decision when deciding claims, but rarely do.

I've been on SSDI and LTD for many years now, my problem is that as soon as my dependent aged out from collecting off my SSD record (which in turn means the LTD carrier now has to pay much more) the carrier suddenly decides to cut me off regardless that my health situation is much worse than when I went on claim years ago, as well as very medically documented. Of course they deny the increase in benefit amount has anything to do with the denial which is common for them to do.

I've been through appeals (always successful and benefits reinstated) in the past always over some BS reason to cut me off, having done so, this time I'm no longer letting their delay tactics work and I'm currently in the process of a lawsuit in order to have benefits reinstated.
The appeal process is just something I no longer have any energy for, that's why my attorney is handling the matter for me.
It's a long story and one I can't get into due to my filing, but I will never let them win as that's what they are hoping for.