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Today's correspondence states that there is a clause in my LTD disability agreement and the terms in the "Certificate of Insurance Booklet" will reduce my payment by the amount I "should" or "could" get from Social Security. The Hartford will immediately go after overpayment funds whether Social Security Disability approves me or not. I don't have the mental ability after 4 strokes, the latest in 12/13, whether this is accurate or not. What should I do with this? I thought that I had to apply for Social Security, and didn't realize that I could lose my payments if SSD denies me. I'm scared to death. The State of CA wants to take my license, I can't get work.... Yikes!