I'm thankful I had the LTD while I was out of work...we would have really been in a bind. I was hoping to have enough left over to kind of get a head of the game a lil bit, but guess it was not to be...

They will let you make payments if you need to use some of the money and can't pay it all back...they just keep your benefits you would still receive until the money is paid back. Either way, they will get their money...