Disability

XanaDUer2

(13,829 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

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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

(59,599 posts)

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

Reply to XanaDUer2 (Original post)

Wed Jan 5, 2022, 04:38 PM

Jan 2022

XanaDUer2

(13,829 posts)

2. Hey!

Reply to SheltieLover (Reply #1)

Wed Jan 5, 2022, 04:40 PM

Jan 2022

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

SheltieLover

(59,599 posts)

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

Reply to XanaDUer2 (Reply #2)

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.

XanaDUer2

(13,829 posts)

4. You're right

Reply to SheltieLover (Reply #3)

Wed Jan 5, 2022, 04:56 PM

Jan 2022

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

SheltieLover

(59,599 posts)

5. Fill your mind with something else.

Reply to XanaDUer2 (Reply #4)

Wed Jan 5, 2022, 04:59 PM

Jan 2022

XanaDUer2

(13,829 posts)

6. Midsomer Murders nt

Reply to SheltieLover (Reply #5)

Wed Jan 5, 2022, 05:00 PM

Jan 2022

SheltieLover

(59,599 posts)

7. Reading fiction?

Reply to XanaDUer2 (Reply #6)

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!

XanaDUer2

(13,829 posts)

8. No, TV

Reply to SheltieLover (Reply #7)

Wed Jan 5, 2022, 05:08 PM

Jan 2022

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

SheltieLover

(59,599 posts)

9. Ooooh.

Reply to XanaDUer2 (Reply #8)

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.

Just_Vote_Dem

(3,134 posts)

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

Reply to XanaDUer2 (Reply #8)

Wed Jan 5, 2022, 06:40 PM

Jan 2022

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

XanaDUer2

(13,829 posts)

18. OMG YES!

Reply to Just_Vote_Dem (Reply #17)

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

(3,134 posts)

19. Yes, I think they split the episodes

Reply to XanaDUer2 (Reply #18)

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,

Reply to XanaDUer2 (Original post)

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

(13,829 posts)

11. Thank you

Reply to PXR-5 (Reply #10)

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)

14. SS attorney fees

Reply to XanaDUer2 (Reply #11)

Wed Jan 5, 2022, 05:55 PM

Jan 2022

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

XanaDUer2

(13,829 posts)

15. Thanks!

Reply to Timewas (Reply #14)

Wed Jan 5, 2022, 05:57 PM

Jan 2022

It all seems overwhelming at times

Timewas

(2,291 posts)

12. It is possible

Reply to XanaDUer2 (Original post)

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

XanaDUer2

(13,829 posts)

13. Thank you for responding

Reply to Timewas (Reply #12)

Wed Jan 5, 2022, 05:54 PM

Jan 2022

Could you clarify that for me? I appreciate your input

Timewas

(2,291 posts)

16. I will try

Reply to XanaDUer2 (Reply #13)

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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