Question
Can Unum offset my benefits if I receive SSD?
I fought to get Unum pay all premiums from employer; they took out for two years then was diagnosed with lupus. Couldn’t return to work after that multiple blood clots. After I sent my first claim two months to pay car was repoed then went to long term. Took them three months, then lost everything filed for SSD. Finally was approved after two years and four months, now that I got SSD Unum said I’m elegible for 115 dollars a month but owe them everything they paid me for the two years. Can they do that since I had policy through my employer and was taken right out of my check? Is this right? Please help!
Answer
Jeff, Unfortunately, yes. Unum policies typically contain language that your benefit will be offset by the receipt of any other sources of income, with SSDI being the most common. Additionally, this would also allow Unum to recover an overpayment for any funds previously paid that the SSA is providing back benefits for.
