Can a disability insurance company claim an overpayment for social security disability benefits payable to a child as result of the parent's disability?

Hello. Can you briefly explain the overpayment situations. I was never told that Hartford would take the SSDI awarded to my children. I did not know anything about an overpayment although they kept telling me that if they were overpaying me I would have to reimburse them. When I kept asking how much of an overpayment am I receiving because I did not want to owe them anything. They said that they did not know and could not tell me until I was awarded from SSA. Needless to say the lawyer that they recommended obviously works for them and I still end up paying the entire amount of my award. I think that there should be some type of legislation that would at least give the claimant the right to either accept or decline the overpayment. This is exactly how they make their money. Not only am I still broke and on a lesser amount, I still have the bills I had before and they are taking money from my two kids who are headed off to college. This is too much like robbery!!! There has got to be some type of recourse. Is there a way to claim hardship or keep them from getting EVERYTHING and at least allow me to pay off my bills before they take back their lump sum. They did not pay me in a lump sum so why do I have to pay them backk with a lump sum?