And I have no requirement to respond to a hired thug from any governmental organization, either.  In fact, the possibility of my charging him with harassment or coercion may come into play, depending on how arrogant he happens to be.  

Then I can always discuss my situation with counsel and see if LTD has violated my civil rights under 42 USC Section 1983.

"Every person who, under color of any statute, ordinance, regulation, custom, or usage, of any State or Territory or the District of Columbia, subjects, or causes to be subjected, any citizen of the United States or other person within the jurisdiction thereof to the deprivation of any rights, privileges, or immunities secured by the Constitution and laws, shall be liable to the party injured in an action at law, suit in equity, or other proper proceeding for redress "