Comments on: Long Term Disability Insurance Carriers Faulted for Forcing Claimants to Apply for SSDI http://www.ssdanswers.com/2008/04/02/long-term-disability-insurance-carriers-faulted-for-forcing-claimants-to-apply-for-ssdi/ Social Security Disability Blog - moderated by Jonathan Ginsberg Sun, 18 Jul 2010 19:41:32 +0000 hourly 1 By: C. Nelson http://www.ssdanswers.com/2008/04/02/long-term-disability-insurance-carriers-faulted-for-forcing-claimants-to-apply-for-ssdi/#comment-8422 C. Nelson Sun, 13 Dec 2009 15:54:19 +0000 http://www.ssdanswers.com/2008/04/02/long-term-disability-insurance-carriers-faulted-for-forcing-claimants-to-apply-for-ssdi/#comment-8422 I've been disabled since April 2008. I have been receiving 1200.00/mo. in LTD benefits and $500.00 in State Disability retirement benefits. My LTD carrier receintly sent me a letter (not return receipt requested or provable as sent or received in any way) claiming they are due 14K once my SSD award is approved. After my SSD atorney's fee, taxes I anticipate that will be taken out of the SSD retroactive payment, there does not appear to be enough funds to repay the LTD carrier what they are demanding they be repayed. What is the likely outcome if I cannot repay the LTD even if I can prove that I in no way attempted to defraud them by not making a full repayment? Will the LTD attempt a legal action to attach my SSD and retirement. Also, what is likely to happen if a person receives a lump sum retroactive payment from SSD, spends it on past due bills and does not repay the LTD? Given that there is no real property owned and that the only provable asset of the person is the $1700.00 he receives monthly, can and more importantly, will the LTD succeed in obtaining a judgement and then be able to garnish the SSD and retirement until the LTD balance they claim they are owed is satisified? I've been disabled since April 2008. I have been receiving 1200.00/mo. in LTD benefits and $500.00 in State Disability retirement benefits. My LTD carrier receintly sent me a letter (not return receipt requested or provable as sent or received in any way) claiming they are due 14K once my SSD award is approved. After my SSD atorney's fee, taxes I anticipate that will be taken out of the SSD retroactive payment, there does not appear to be enough funds to repay the LTD carrier what they are demanding they be repayed. What is the likely outcome if I cannot repay the LTD even if I can prove that I in no way attempted to defraud them by not making a full repayment? Will the LTD attempt a legal action to attach my SSD and retirement. Also, what is likely to happen if a person receives a lump sum retroactive payment from SSD, spends it on past due bills and does not repay the LTD? Given that there is no real property owned and that the only provable asset of the person is the $1700.00 he receives monthly, can and more importantly, will the LTD succeed in obtaining a judgement and then be able to garnish the SSD and retirement until the LTD balance they claim they are owed is satisified?

]]> By: Ronald Lippman http://www.ssdanswers.com/2008/04/02/long-term-disability-insurance-carriers-faulted-for-forcing-claimants-to-apply-for-ssdi/#comment-7990 Ronald Lippman Sun, 12 Oct 2008 04:51:12 +0000 http://www.ssdanswers.com/2008/04/02/long-term-disability-insurance-carriers-faulted-for-forcing-claimants-to-apply-for-ssdi/#comment-7990 We had to repay most of LTD to Guardian for years 2005, 2006, 2007, and 2008, along with attorney fees. We paid taxes on this for 05, 06, and 07 and this year we will have to pay taxes on LTD and SSDI. I inquired to Guardian about corrected W-2;s for each year and they said they do not issue them. How can amended tax returns be filed without them? We had to repay most of LTD to Guardian for years 2005, 2006, 2007, and 2008, along with attorney fees. We paid taxes on this for 05, 06, and 07 and this year we will have to pay taxes on LTD and SSDI. I inquired to Guardian about corrected W-2;s for each year and they said they do not issue them. How can amended tax returns be filed without them?

]]> By: trv http://www.ssdanswers.com/2008/04/02/long-term-disability-insurance-carriers-faulted-for-forcing-claimants-to-apply-for-ssdi/#comment-7950 trv Sat, 02 Aug 2008 02:20:20 +0000 http://www.ssdanswers.com/2008/04/02/long-term-disability-insurance-carriers-faulted-for-forcing-claimants-to-apply-for-ssdi/#comment-7950 "any SSDI benefits received will offset the LTD carrier's policy obligations" In my case, this also includes the benefit my ex-wife receives for her being the custodial parent. A second lump-sum check swallowed whole, and a monthly offset that is greater than my child support payment was. It gets worse. "any SSDI benefits received will offset the LTD carrier's policy obligations"

In my case, this also includes the benefit my ex-wife receives for her being the custodial parent. A second lump-sum check swallowed whole, and a monthly offset that is greater than my child support payment was.

It gets worse.

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