HomeLatest ThreadsGreatest ThreadsForums & GroupsMy SubscriptionsMy Posts
DU Home » Latest Threads » Forums & Groups » Topics » Health » Disability (Group) » Anyone here have experien...

Wed Jan 5, 2022, 05:36 PM

Anyone here have experience with long-term disability payments

I've been taken out of work and got my employer's long-term disability payments. I have to pay them back.

Anyone ever in the same situation? I understand the LTD company can take your SSDI back payments. I'm just waiting to be turned down (first attempt at applying) for SSDI. can the insurance company take, or put you in debt, to them if their payout exceeds any SSDI back payments? I'm worried. What if I don't have enough back payments to cover 2 years of LTD payments?

Does anyone have experience with this?

19 replies, 932 views

Reply to this thread

Back to top Alert abuse

Always highlight: 10 newest replies | Replies posted after I mark a forum
Replies to this discussion thread
Arrow 19 replies Author Time Post
Reply Anyone here have experience with long-term disability payments (Original post)
XanaDUer2 Jan 2022 OP
SheltieLover Jan 2022 #1
XanaDUer2 Jan 2022 #2
SheltieLover Jan 2022 #3
XanaDUer2 Jan 2022 #4
SheltieLover Jan 2022 #5
XanaDUer2 Jan 2022 #6
SheltieLover Jan 2022 #7
XanaDUer2 Jan 2022 #8
SheltieLover Jan 2022 #9
Just_Vote_Dem Jan 2022 #17
XanaDUer2 Jan 2022 #18
Just_Vote_Dem Jan 2022 #19
PXR-5 Jan 2022 #10
XanaDUer2 Jan 2022 #11
Timewas Jan 2022 #14
XanaDUer2 Jan 2022 #15
Timewas Jan 2022 #12
XanaDUer2 Jan 2022 #13
Timewas Jan 2022 #16

Response to XanaDUer2 (Original post)

Wed Jan 5, 2022, 05:38 PM

1. Your SSDI back payments for 2 yrs will likely be quite substantial

Reply to this post

Back to top Alert abuse Link here Permalink


Response to SheltieLover (Reply #1)

Wed Jan 5, 2022, 05:40 PM

2. Hey!



Yes, I'm so scared I'll be in hock to the LTD company

Reply to this post

Back to top Alert abuse Link here Permalink


Response to XanaDUer2 (Reply #2)

Wed Jan 5, 2022, 05:53 PM

3. Not sure but no point worrying today, us there?

There might even be a provision discharging any amt over & above what SSDI pays out. Not sure.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to SheltieLover (Reply #3)

Wed Jan 5, 2022, 05:56 PM

4. You're right

I'm trying so hard to keep anxiety low and not worry

Reply to this post

Back to top Alert abuse Link here Permalink


Response to XanaDUer2 (Reply #4)

Wed Jan 5, 2022, 05:59 PM

5. Fill your mind with something else.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to SheltieLover (Reply #5)

Wed Jan 5, 2022, 06:00 PM

6. Midsomer Murders nt

Reply to this post

Back to top Alert abuse Link here Permalink


Response to XanaDUer2 (Reply #6)

Wed Jan 5, 2022, 06:06 PM

7. Reading fiction?

We have an excellent fiction group if you need ideas of what to read next!

You could also play music & sing along. Almost impossible to be anxious or depressed when singing!

Reply to this post

Back to top Alert abuse Link here Permalink


Response to SheltieLover (Reply #7)

Wed Jan 5, 2022, 06:08 PM

8. No, TV

I just finished all the Inspector Morse, 33 episodes. We have Britbox and Acorn.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to XanaDUer2 (Reply #8)

Wed Jan 5, 2022, 06:13 PM

9. Ooooh.

Glad youare enjoying. I like to give my imagination work out by reading (ebooks from library).

One of these days, I'll get back to writing that cozy mystery series.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to XanaDUer2 (Reply #8)

Wed Jan 5, 2022, 07:40 PM

17. Is "Vera" on either of those services?

It is also shown on PBS on Tuesday nights. Great show!

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Just_Vote_Dem (Reply #17)

Wed Jan 5, 2022, 08:09 PM

18. OMG YES!

I was just getting ready to put Vera on on Britbox. It's also on Acorn.

Britbox has more seasons than Acorn. I got Britbox just to see Vera, but Season 7 is not available. Seasons 8 and 9 just went up. Now I have to see if Season 7 is on Acorn

Reply to this post

Back to top Alert abuse Link here Permalink


Response to XanaDUer2 (Reply #18)

Wed Jan 5, 2022, 08:18 PM

19. Yes, I think they split the episodes

I'm up to date, as I spent a few weekends binge-watching a while back. Now I'm jonesing for a new season LOL. Enjoy!

Reply to this post

Back to top Alert abuse Link here Permalink


Response to XanaDUer2 (Original post)

Wed Jan 5, 2022, 06:32 PM

10. Laws can vary by state,

my wife used to work in the disability field as a nurse for a major insurance company.

Her advice is to check with an attorney.

But as others have said, don't worry about it, the odds are you won't have to pay it back, and if you do the payments would be small and should be without interest.

Reply to this post

Back to top Alert abuse Link here Permalink


Response to PXR-5 (Reply #10)

Wed Jan 5, 2022, 06:41 PM

11. Thank you

I envision 30k of LTD payments and way less in SSDI payments, plus the attorney's cut

Scaring me

Reply to this post

Back to top Alert abuse Link here Permalink


Response to XanaDUer2 (Reply #11)

Wed Jan 5, 2022, 06:55 PM

14. SS attorney fees

They are set by law what they can charge for applying for SSDI..A small percentage

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Timewas (Reply #14)

Wed Jan 5, 2022, 06:57 PM

15. Thanks!

It all seems overwhelming at times

Reply to this post

Back to top Alert abuse Link here Permalink


Response to XanaDUer2 (Original post)

Wed Jan 5, 2022, 06:51 PM

12. It is possible

That SS will discount your back payment by whatever amount you are receiving, that is what they did to me. If you go in to an office they will probably be able to tell you

Reply to this post

Back to top Alert abuse Link here Permalink


Response to Timewas (Reply #12)

Wed Jan 5, 2022, 06:54 PM

13. Thank you for responding

Could you clarify that for me? I appreciate your input

Reply to this post

Back to top Alert abuse Link here Permalink


Response to XanaDUer2 (Reply #13)

Wed Jan 5, 2022, 06:57 PM

16. I will try

When I applied and was finally approved, I had a couple of years back pay coming, I had received a settlement from the state workers comp. ins. and SS just took that amount from my back pay...

Added: they sometimes do an offset where they take some each month til it is payed off also..Now to be honest this has been my experience and it was about 25 years ago so things may have changed some since then.

Reply to this post

Back to top Alert abuse Link here Permalink

Reply to this thread