My husband was overpaid by his long term disability insurance by $20,000. He disclosed his other income fully at the time the claim was filed but they miscalculated and overpaid him for over a year. Now they want all of the money back. We do not have $20,000. What can we do and who can we call for legal advice. We want to make sure our rights are protected. All of the disability lawyers that we have contacted have told us they do not handle cases like this. Who does?