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I went off work on a long term disability 2006. After a 6 month waiting period, the LTD insurance paid monthly amount. Recently I was approved for Social Security disability & received back pay retroactively to same month that LTD began. My current SS disability amount is more than the LTD disability amount. Do I have to pay the LTD back at 100%? In this situation, who notifies the LTD company that SS was approved & how should all of this be handled? If it has to be paid back, how long does one have to do that & what happens if you don't have enough to pay it all back? Is it necessary to get an attorney for this type of situation? While working, my check stub showed a deduction amount being taken out for "LTD". Is the LTD company required to give me a copy of the LTD policy for review?Above I stated the SS disability is *more* than the LTD was so the LTD would go away completely... there wouldn't be an "offset" between SS & LTD. Does anyone have the answers to unanswered questions above? - How long does one have to pay them back? What happens if you don't have enough to pay it all back? Is it necessary to get an attorney for this type of situation? Is the LTD company *required* to give me a copy of the LTD policy for review? And a new question: What happens to all the money that was taken out of my payroll check when I was still working that paid for the Long Term Disability insurance?