My mistake. I got a text that an ACH deposit was made for almost exactly the same amount I was expecting for the LTD settlement. Turns out it was for a fishing boat I had for sale on consignment,,that was sold. The boat broker's email telling me it was sold got caught in the junk mail filter.

Plus, I had requested the LTD be direct deposited, like the contract bonus. The mail where I live is unreliable.