can a LTD insurance company take back pay from a dependent c

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PostPosted: Thu Jun 24, 2010 4:18 pm   Post subject: can a LTD insurance company take back pay from a dependent c  

I'm being awarded SSDI and have a qulifiying child that will be entitled to benefits as well. I received LTD payment through a group employer plan. They are wanting me to pay them back. So, I would like to know if they take this from the payments that were due to my child as well.

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PostPosted: Tue Jun 29, 2010 4:57 pm   Post subject:   

Your group LTD policy probably has a provision known as "benefit integration" which is intended to prevent you from profiting by collecting the LTD benefit in addition to other sources of funding, such as SSDI. If you have, indeed, been overpaid, the insurer is entitled to a refund.

Your child's benefit is separate from yours, and cannot normally be "attacked" by a third party, such as your LTD carrier.

If you are unable to pay back all of the overpayment at this time, speak to the LTD carrier and work out a repayment plan.


CA-licensed Life & Disability Analyst. CA Insurance Lic #0596197. Also investigating insurance company abuses, and providing litigation support/expert witness services. Send me your questions, and I'll send you my answers.
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