STD & LTD FAQ'S (continued)
I'd been receiving LTD benefits for months, and when my Social Security Disability benefits came through, the insurer said that I am now "overpaid," and is asking for my retroactive SSD money. Is this right?
If the specific written plan allows for the "offset" of SSDI benefits, your benefits may be reduced after you receive an award (including minor childrens' benefits), and the insurer may be entitled to repayment of a portion of benefits it provided prior to your award. We recommend consulting with an attorney on this issue, however, as in some circumstances you may receive a credit for attorneys' fees related to the SSD case, and in others, you may not have a legal obligation to make the repayment demanded by the insurer.