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XanaDUer2

(13,872 posts)
Wed Jan 5, 2022, 04:36 PM Jan 2022

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 = new reply since forum marked as read
Highlight: NoneDon't highlight anything 5 newestHighlight 5 most recent replies
Anyone here have experience with long-term disability payments (Original Post) XanaDUer2 Jan 2022 OP
Your SSDI back payments for 2 yrs will likely be quite substantial SheltieLover Jan 2022 #1
Hey! XanaDUer2 Jan 2022 #2
Not sure but no point worrying today, us there? SheltieLover Jan 2022 #3
You're right XanaDUer2 Jan 2022 #4
Fill your mind with something else. SheltieLover Jan 2022 #5
Midsomer Murders nt XanaDUer2 Jan 2022 #6
Reading fiction? SheltieLover Jan 2022 #7
No, TV XanaDUer2 Jan 2022 #8
Ooooh. SheltieLover Jan 2022 #9
Is "Vera" on either of those services? Just_Vote_Dem Jan 2022 #17
OMG YES! XanaDUer2 Jan 2022 #18
Yes, I think they split the episodes Just_Vote_Dem Jan 2022 #19
Laws can vary by state, PXR-5 Jan 2022 #10
Thank you XanaDUer2 Jan 2022 #11
SS attorney fees Timewas Jan 2022 #14
Thanks! XanaDUer2 Jan 2022 #15
It is possible Timewas Jan 2022 #12
Thank you for responding XanaDUer2 Jan 2022 #13
I will try Timewas Jan 2022 #16

SheltieLover

(59,610 posts)
3. Not sure but no point worrying today, us there?
Wed Jan 5, 2022, 04:53 PM
Jan 2022

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

SheltieLover

(59,610 posts)
7. Reading fiction?
Wed Jan 5, 2022, 05:06 PM
Jan 2022

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!

SheltieLover

(59,610 posts)
9. Ooooh.
Wed Jan 5, 2022, 05:13 PM
Jan 2022

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.

XanaDUer2

(13,872 posts)
18. OMG YES!
Wed Jan 5, 2022, 07:09 PM
Jan 2022

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

Just_Vote_Dem

(3,135 posts)
19. Yes, I think they split the episodes
Wed Jan 5, 2022, 07:18 PM
Jan 2022

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!

PXR-5

(531 posts)
10. Laws can vary by state,
Wed Jan 5, 2022, 05:32 PM
Jan 2022

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.

XanaDUer2

(13,872 posts)
11. Thank you
Wed Jan 5, 2022, 05:41 PM
Jan 2022

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

Scaring me

Timewas

(2,291 posts)
12. It is possible
Wed Jan 5, 2022, 05:51 PM
Jan 2022

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

Timewas

(2,291 posts)
16. I will try
Wed Jan 5, 2022, 05:57 PM
Jan 2022

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.

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