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Hi Maggie, The way it works in under most private policies.- If you have a long - term disability policy and you ultimately qualify for SSDI, any money paid out by the LTD insurer covering the time that you were on disabilty and were or are eligible to receive SSDI benefits, will be reduced to the extent of SSDI payments covering the same period. Therefore, to the extent that you eventually are awarded a back payment for that earlier period, you must be repay that amount to the LTD insurer to avoid "double coverage". In other words, you are not allowed to "double dip" into both your private or company plan and SSDI for the same period. It is fundamentally fair. This should not be problem becuase the "retroactive" SSDI payment arrives in a lump and should be in addition to the SSDI checks you receive from that point forward, and can simply be paid over to the lTD carrier.. Likewaise, your future checks from the LTD copany will be reduced by the amount you get from SSDI. The lump sum the LTD company wants back is simply the amount you get as a back award for the prequlaification period during which you were eligible for SSDI but were not paid because SSDI had not yet estblished yoiur enmtitlement to ANY payment. It appears different, but the effect is the same as the future deduction the LTD carrier will make from your payments going forawrd to the extent of SSDI payments recieved. The LTD payer is essentiallly the last iin line to have to pay you, and is therefore entitled to reduce its payments by other amounts received, including social security. It is just that since the SSDI process takes so long from the time you become eligible, the insurer has paid out quite bit that it was not really obligated to pay, So they are in effect saying, now that you qualify for SSDI, if you receive a any paymernts from SSDI covering that earlier period, we want THAT money back.. It should not hurt because your retroactive SSDI payment will be in addition the present and future SSDI payments. Clear as mud? And to think I was an insurance lawyer. Greg Me <[log in to unmask]> wrote:Hi all, I was wondering if any of you have received disabiility benefits from an employer-sponsored disability insurance program. I was subscribing to my employer's disability insurance, and made a claim for benefits when I stopped working. I was approved for short-term and then later for long-term benefits: I'll receive the long-term benefits for 24 months. My question is: The insurance adjustor told me that I would have to repay the insurance company for the benefits I received if I'm approved by Social Security disability. This will amount to more than $20,000 and it's a really scary thought to know I'm liable for that much money when I'm on disability. Is this correct? Do I have to repay the disability insurance benefits? Maggie Mauney ---------------------------------------------------------------------- To sign-off Parkinsn send a message to: mailto:[log in to unmask] In the body of the message put: signoff parkinsn --------------------------------- Do you Yahoo!? ---------------------------------------------------------------------- To sign-off Parkinsn send a message to: mailto:[log in to unmask] In the body of the message put: signoff parkinsn The New Yahoo! Search - Faster. Easier. Bingo.