POZ Community Forums
Meds, Mind, Body & Benefits => Insurance, Benefits Programs & HIV => Topic started by: bigrob37 on December 01, 2008, 12:21:23 pm
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sorry everyone let me start over
I have been receiving long term disablity from my last job, and now the company thats called unum wants to me to apply for ssi. And when I am approved I get retro pay so unum says I will than be overpayed by them
so they want the off set amount Dam I only get a 1000 a month from unum and I am sure sociial not going to be much more. I hear social could take years to get its like I should go back to work .
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Rob, first of all I'm not sure what you mean by "ltd worker" (I know you're saying "long term disability worker" but not sure what exactly you're meaning -- does this person work directly for the Social Security Administration or some other entity?).
The only time I've heard of paying back money is when you get assistance from some OTHER government source during that period during which you are waiting for SSDI approval. By the time you are approved they will pay you retroactively back to the point when you stopped work, so if you got any other assistance during that time you are technically liable to pay it back out of this retroactive income. That was my case, though the bureaucracy in NYC that I got assistance from never came after for me for any of the money, so I just never paid it back. It wasn't a huge amount so I just sat it aside in case they asked for it, and after a couple of years of hearing nothing I eventually forgot about it.
I assume what you are describing might be like this, but you're really not giving anyone here enough information.
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Bob, you think you are having it hard now. You'll really be having a tough time on SSI. Try for SSDI before SSI.
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hey bigrob ,
when I applied and was denied ,my lawyer told me any money I had in savings
was NOBODIES business as I was applying for SSDI and my money had NOTHING to do with it !
WELL the JUDGE concedered the money in the bank , and I had to FORFIT my back pay
from SSDI . So it is NOT guarantied YOU will get all your back pay !
BUT the future is what I am concerned with , and back pay would have been nice , but
tomorrow means more to me than back pay .
I wish you the best of luck , It IS a demeaning process ,but stick with it !
love , Karl :-*
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Rob, I have a friend who was a teacher and got injured from one of her students jumping on her back. She was getting disability from the state of Michigan. When social security determined her disabled, the state of Michigan wanted the pay they had given her from what month social security determined she was disabled until she got her first SS check. I don't know if this makes sense or not.
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thanks sounds like they want every cent from you to make you more miserable than you all ready are.
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Rob, first of all I'm not sure what you mean by "ltd worker" (I know you're saying "long term disability worker" but not sure what exactly you're meaning -- does this person work directly for the Social Security Administration or some other entity?).
The only time I've heard of paying back money is when you get assistance from some OTHER government source during that period during which you are waiting for SSDI approval. By the time you are approved they will pay you retroactively back to the point when you stopped work, so if you got any other assistance during that time you are technically liable to pay it back out of this retroactive income. That was my case, though the bureaucracy in NYC that I got assistance from never came after for me for any of the money, so I just never paid it back. It wasn't a huge amount so I just sat it aside in case they asked for it, and after a couple of years of hearing nothing I eventually forgot about it.
thanks for replying I guess having aids isnt bad enough now they want to take you for everything your worth.
I hear unum likes to rip off people so I will have to do some investigating. according to the paper work I got it says unum will take an off set amount of 1100 dollars a month and I will have to pay back that much. so far its been 5 months 3500 bucks or so. I thought ssdi would work a little faster in these cases its not like I broke my back. I have aids and hpv and nerve damage and who knows what else is going on with this body. I am thankful the doctors caught it six months to late saying it was just the flu. I am still a little pissed off at my doctor for not seeing the signs
I assume what you are describing might be like this, but you're really not giving anyone here enough information.
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when I applied and was denied ,my lawyer told me any money I had in savings
was NOBODIES business as I was applying for SSDI and my money had NOTHING to do with it !
WELL the JUDGE concedered the money in the bank , and I had to FORFIT my back pay
from SSDI . So it is NOT guarantied YOU will get all your back pay !
Since SSDI isn't a means tested benefit it doesn't matter how much money you have, but you won't be eligible for SSDI if you are actually still earning and it sounds as if, in your case, they somehow regarded your "back pay" as being earnings - in which case SSDI eligibility would not start until after the period of time that those earnings were deemed to cover.
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sorry everyone let me start over
I have been receiving long term disablity from my last job, and now the company thats called unum wants to me to apply for ssi. And when I am approved I get retro pay so unum says I will than be overpayed by them
so they want the off set amount Dam I only get a 1000 a month from unum and I am sure sociial not going to be much more. I hear social could take years to get its like I should go back to work .
This happened to a friend of mine. If I understand this correctly, Unum is basically saying that you are not covered by them once your SSDI starts and since SSDI is often backdated (meaning even though you applied in December Social Security determined you disabled in say August) so you would get a check covering that period. Unum will want to be paid back for those few months it feels you were getting paid by them and SSDI. It sucks but then nobody every said insurance companies were nice.
I'm really sorry you having to go through all of this. I understand the process for SSDI can be very frustrating. I was very lucky that I get my disability through the railroads version of SSDI since I paid into their plan rather than Social Security and I was approved in just a few weeks. Check with your local ASO and they can help you with how to prepare for you meeting with Social Security.
Best of Luck,
AA
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Hi
You will have to pay the difference between your SSDI and Unum back to unum for the time that you have been on Unum only. Say you have $700 from SSDI and $1000 from Unum and get back pay for 5 months you have to give that check back to Unum and in the future you will get $700 SSDI and $300 from Unum.
Mike