Wed Mar 9, 2022, 08:44 PM

XanaDUer2 (7,053 posts)

So tired... Ltd. Insurance payback

I've been getting 2100 a month from the long-term disability company. I'll have to pay back the money. If I get 1500 a month, thats how much I'll be paying back. I've been paid 6 months. The payback will come out of any backpayments from ssdi. If I owe more than the back pay, there's a repayment plan.

I worked so hard not to be in debt. I'm so tired of it all. I just feel lost at this point. I might be 50k in debt. It's all so confusing

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9 replies	Author	Time	Post
So tired... Ltd. Insurance payback (Original post)	XanaDUer2	Mar 2022	OP
Is this what lawyer said?	SheltieLover	Mar 2022	#1
No the insurance woman	XanaDUer2	Mar 2022	#2
Breathe...	SheltieLover	Mar 2022	#3
No but the letter warns	XanaDUer2	Mar 2022	#4
But did your job exacerbate problems?	SheltieLover	Mar 2022	#5
Yes	XanaDUer2	Mar 2022	#6
Yup.	SheltieLover	Mar 2022	#7
You have to pay back the long term disability money?	PoindexterOglethorpe	Mar 2022	#8
Yes	XanaDUer2	Mar 2022	#9

Response to XanaDUer2 (Original post)

Wed Mar 9, 2022, 08:51 PM

SheltieLover (54,092 posts)

1. Is this what lawyer said?

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Response to SheltieLover (Reply #1)

Wed Mar 9, 2022, 08:54 PM

XanaDUer2 (7,053 posts)

2. No the insurance woman

She sent me an email because I was confused. I called the lawyer, but they never responded to my question about this. I have a call into the lawyer to get a letter for the ltd company with information, but the lady was busy.

Hopefully, she'll call soon.

I feel trapped and helpless

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Response to XanaDUer2 (Reply #2)

Wed Mar 9, 2022, 09:00 PM

SheltieLover (54,092 posts)

3. Breathe...

It is going to be however it is going to be, well beyond your control.

Just roll with it.

Did lawyer guestimate how long till s/he expects you to be approved?

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Response to SheltieLover (Reply #3)

Wed Mar 9, 2022, 09:03 PM

XanaDUer2 (7,053 posts)

4. No but the letter warns

Several years. I'm just so worn down. I was turned down the first time because my interviewer said that having problems my whole life meant I can still keep working

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Response to XanaDUer2 (Reply #4)

Wed Mar 9, 2022, 09:04 PM

SheltieLover (54,092 posts)

5. But did your job exacerbate problems?

Just breathe... slowly, intentionally.

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Response to SheltieLover (Reply #5)

Wed Mar 9, 2022, 09:06 PM

XanaDUer2 (7,053 posts)

6. Yes

Its a gotcha game, anything to turn you down

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Response to XanaDUer2 (Reply #6)

Wed Mar 9, 2022, 09:08 PM

SheltieLover (54,092 posts)

7. Yup.

I helped someone apply in TN. Agency that was helping the person told me in this red hellhole, people get denied 6 or 7 times before approval.

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Response to XanaDUer2 (Original post)

Wed Mar 9, 2022, 11:07 PM

PoindexterOglethorpe (24,000 posts)

8. You have to pay back the long term disability money?

Are they expecting the disability will go away and you'll be returning to work? Or are they simply off the hook if ssdi kicks in? There's something here that doesn't make full sense.

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Response to PoindexterOglethorpe (Reply #8)

Thu Mar 10, 2022, 06:47 AM

XanaDUer2 (7,053 posts)

9. Yes

They're off the hook once I get ssdi. But I'm expected to pay back overpayment. It's all very confusing. I asked my lawyer, but they didn't respond. I know they're busy.

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