Hi

I have been reading this site due to my husband had tongue stage 3 cancer and my daughter is writing getting help for us but I read this topic and Yes insurance companies will ask for some money back when you receive your SSDI. I have been on Long Term Disability for Cervical Myelopathy and degenerative disc disease. I paid extra for LTD when I was working. What's funny is when you pay for this they don't tell you that you might and might not receive it. I have Met Life and I've had to fight to receive this and keep it all these years. If they accept you you will receive 65% of your wages and once SSDI accepts you they will estimate how much they give you and the insurance company will pay the difference up to 65% of your wages. When you receive your SSDI check it is back pay because you were already paid by the insurance company so you will owe them. Once all that is settled the hard part is all the forms MetLife will be sending you throughout the year to make sure you are still disabled. My lawyer and doctor told me they pay someone to go thru your file to find any good response to your health and will cancel you and the insurance company know many people are afraid to fight an insurance company and they win without a fight. The lawyer will get his share of the money but at least you win back your rightful benefits.