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XanaDUer2

(11,729 posts)
Wed Mar 9, 2022, 09:44 PM Mar 2022

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

9 replies = new reply since forum marked as read
Highlight: NoneDon't highlight anything 5 newestHighlight 5 most recent replies
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

XanaDUer2

(11,729 posts)
2. No the insurance woman
Wed Mar 9, 2022, 09:54 PM
Mar 2022

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

SheltieLover

(57,073 posts)
3. Breathe...
Wed Mar 9, 2022, 10:00 PM
Mar 2022

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?

XanaDUer2

(11,729 posts)
4. No but the letter warns
Wed Mar 9, 2022, 10:03 PM
Mar 2022

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

SheltieLover

(57,073 posts)
7. Yup.
Wed Mar 9, 2022, 10:08 PM
Mar 2022

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.

PoindexterOglethorpe

(26,041 posts)
8. You have to pay back the long term disability money?
Thu Mar 10, 2022, 12:07 AM
Mar 2022

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.

XanaDUer2

(11,729 posts)
9. Yes
Thu Mar 10, 2022, 07:47 AM
Mar 2022

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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