I was placed on long-term disability from my employment in April 2016. I recently applied for Social Security benefits. I was told if I received a lump sum payment from Social Security, I would need to repay the amount of money I received from long term i

I have had seven spinal surgeries. I have been declared by long-term insurance as being totally disabled. I was told by the long-term insurance company I needed to apply for Social Security benefits. I applied the first time for Social Security I was denied. Long term disability company told me to apply again with representation. I did. I have not received ruling yet. I was also informed that if I received a lump sum payment I would need to repay the amount of money I received from Long Term Disability..The amount I am currently receiving on long term disability is only about 40% of my working wage. This was a benefit from the company I worked for. My understanding was ,that long term disability is to help you live, while you are disabled. If I need to repay this amount of money, it would be like me taking out a loan from the bank and making monthly payments. Had I known this I could have applied for food stamps and other government benefits in the meantime. I have worked my entire life. I am 60 years old. And like I had said before ,I have been declared totally disabled by long term disability. I have also paid taxes for the last 2 years on the amount I received. Any help you can give me would be greatly appreciated. I also have to repay a lawyer's fee. So how in the end has long term disability actually helped me. It's like taking a loan without being employed and disabled and one that would be almost impossible to repay.

1 answer  |  asked May 18, 2018 07:01 AM [EST]  |  applies to Pennsylvania

Answers (1)

Doris Dabrowski
The long term disability policy or plan governs offsets or reductions to benefits due to the receipt of other income or benefits. If the LTD plan is sponsored by your employer or former employer, send a letter to the benefit Plan Administrator by certified mail, return receipt requested, to ask for a copy of the complete LTD plan and summary plan descriptions. If the demand for repayment is wrong, be sure to timely file a plan appeal of the decision.

posted by Doris Dabrowski  |  May 18, 2018 11:47 AM [EST]

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