the totally unfair part about most ltd's that Allsup fails to mention is that they also take your childrens backpay so in effect you do lose money in the process.

ELA,

If the LTD already paid you during that time period, they are just taking back what you owe them for overpayment.

Your kids would only receive backpay for the period if you weren't already paid for it.

Echoes what do you mean they can take children's backpay. I sent my Long Term Disability the money the stated in the letter. Are you saying if I get my children's back pay that they can now come back again and demand more money in addition to what I just sent them?
I wrote on the certified check "payment in full".

there have been people on here who have had part or all of their childrens backpay taken by the ltd also. do a search and you will see what i am talking about.

Unfortunately, Echoes is correct. I used to work in Employee Benefits and this was always an issue that employees/dependents were not aware of.

Here is just something I found in an article that may help explain it better than I can:

Lately the question of whether a long-term disability carrier can offset Social Security payments to a dependent has been a popular one. Most claimant's are aware that their LTD plans offset Social Security benefits awarded to the disabled individual, but most plans also offset the SSD benefits paid to the dependents or spouse of the disabled individual as well, if those benefits result from the individual's disability. As always it is important to read your plan documents carefully. The only time an LTD carrier can offset the Social Security benefit paid to a spouse or dependent is when that payment derives directly from the claimant's status as a disabled person.

Based on the numbers you posted, your LTD carrier will receive your SSD payment AND the dependent portion then they will continue to pay your monthly benefit. Bottom line, you will continue to receive your LTD payment of $2,916. If the LTD benefit were not in place, you would only receive the SSD payment of $1,444 plus the dependent portion (which I believe is 1/2 of your benefit) of $722 for a total of $2,166.

Hopefully, your policy doesn't have this verbiage in it but I would rather give you the heads up of what is in 90% of the LTD policies out there so you know ahead of time.

thanks for the heads up Hugg I only have the summary portion and there is no reference to dependents but I bet they will take it. I am up for review from my LTD provider for "any occupation" on 2/3/11 hopefully I will be approved

i am so confused.
 

i was just informed by metlife that i needed to fax in my ssdi acceptance letter to determine my overpayment. i'm getting 1069.00 from ssdi, metlife gave me 1210.00 a month. went on disabilty in jan of 2010. how do they figure out the overpayment amount? i'm afraid i'm not going to be able to repay them. what could happen if they dont get paid? someone please help.

You will get to keep 141 dollars per month that you received from Metlife(from the overpayment) and they will still owe you 141 a month since your SSDI pay is lesser than the LTD. Did you spend your backpay? They could withhold the 141 until they are paid in full. I'm on LTD also and need to do a yearly medical review with them to keep my benefits(100 per month). You will owe them for every month that you were paid backpay from SSDI.

hmm I originally was getting 2916 from Metlife then awarded 1444 from SSDI. The overpayment was the difference between the two
2916 - 1444 = 1472 what metlife should have been paying me they took that amount and multiplied times the number of months they paid me to equal the amount that SHOULD have been paid then subtract from the ACTUAL amount that was paid. Pretty much they received my entire lump sum back minus the attorney fee of 5300 (fee for using their attorney).
Second issue, my children was approved for children benefits which caused another overpayment. ..