LTD is insurance, whether you paid for it or your employer provided it. Insurance policies list exclusions, provisions and often steps you must take when your situation changes. I agree that beachlover might find that it is more trouble to just let it ride, especially if there was a policy provision that immediate notice was required of other income sources. The only reason I could see that there would not be collection would be if the sdd began at the exact moment the ltd stopped, which would mean there was no overlap or overpayment.