There might even be a provision discharging any amt over & above what SSDI pays out. Not sure.

I'm trying so hard to keep anxiety low and not worry

We have an excellent fiction group if you need ideas of what to read next!

You could also play music & sing along. Almost impossible to be anxious or depressed when singing!

I just finished all the Inspector Morse, 33 episodes. We have Britbox and Acorn.

Glad youare enjoying. I like to give my imagination work out by reading (ebooks from library).

One of these days, I'll get back to writing that cozy mystery series.

It is also shown on PBS on Tuesday nights. Great show!

I was just getting ready to put Vera on on Britbox. It's also on Acorn.

Britbox has more seasons than Acorn. I got Britbox just to see Vera, but Season 7 is not available. Seasons 8 and 9 just went up. Now I have to see if Season 7 is on Acorn

I'm up to date, as I spent a few weekends binge-watching a while back. Now I'm jonesing for a new season LOL. Enjoy!

my wife used to work in the disability field as a nurse for a major insurance company.

Her advice is to check with an attorney.

But as others have said, don't worry about it, the odds are you won't have to pay it back, and if you do the payments would be small and should be without interest.

I envision 30k of LTD payments and way less in SSDI payments, plus the attorney's cut

Scaring me

They are set by law what they can charge for applying for SSDI..A small percentage

It all seems overwhelming at times

That SS will discount your back payment by whatever amount you are receiving, that is what they did to me. If you go in to an office they will probably be able to tell you

Could you clarify that for me? I appreciate your input

When I applied and was finally approved, I had a couple of years back pay coming, I had received a settlement from the state workers comp. ins. and SS just took that amount from my back pay...

Added: they sometimes do an offset where they take some each month til it is payed off also..Now to be honest this has been my experience and it was about 25 years ago so things may have changed some since then.