Reliance Standard
Reliance Standard is trying to claim SSDI payments we never received as offset for my husband's LTD benefits.
My husband has been disabled for years and approved for LTD & SSDI. Which is great! We dont have the horror stories above however we have our own offset dillema. I understand (not agree with the offsets.. But it is what it is) My husband was approved for SSDI on 10/1 and we were instructed ny Advocator Group to file for SSDI for our children now that my husband was approved. We made an appointment as instructed and both children were obviously approved. Here is my issue..our son turned 18 on 10/7; 6 days after SSDIs approval. Our appointment to apply was a few days later. SO because he was considered an adult all back payments went directly to him about 2 years worth! Even tho the back benefits were for the time he was a minor and in our care. How can an offset be legitimate if it wasnt received by us? SSDI wouldnt fund us or offer another option because he is an adult. We now have to repay funds we never received? My son kept it and is the one that had to claim it on his taxes because it was HIS income, he also continued to receive payments himself bc he was in high school after turning 18. We have to repay that also. It just seems wrong; if we got the funds that is one thing but WE didnt! I havent seen this scenario here yet. Any information would be appreciated.
Reply
Feeling Cheated, unfortunately the application of the offset provision for DSSDI is applicable regardless of the situation. Your situation is akin to a dependent child living with a divorced spouse away from the home – the insured doesn’t receive the actual funds into the household, rather it goes to the ex’s household. Regardless, the application of the offset applies.
