I have been getting Social Security disability payments for about 2 years. In the beginning when my long term insurance established what my monthly payments would be my children were not receiving social security. About a year ago my children started receiving SS payments because of my disability. I recently got a letter in the mail from my insurance company that I owe them $14,000 and I have 1 month to pay it back or they will stop paying me until it is paid back. Can they legally say that my children's income from Social Security is part of my income?