Originally Posted by
badbert
I helped organize the Union at my old work. Because of this I had to go through a lot of training. I learned a lot about disability and insurance! I believe the problem you ran into, is the ceiling limit on how much you can collect. You are legally only allowed to collect 70 to 80% (depending on state laws) of your gross pay. So they paid you that amount. But the back pay from SSDI put you over that amount. Legally you are responsible for paying back any amount over that percentage. If they are making you pay more than that, you need an attorney. We avoided this problem by allowing the company to pay for our short term disability. But instead of the company paying for long term, we figured out the company cost for the long term policy premiums. And then added that amount to each employee's pay. And then in turn the employees pay for AFLAC. Because it is paid for by the employees instead of the company. It is your money, no paying it back. AFLAC doesn't have to be claimed as income.