Answers: I would imagine so. Without seeing you contract, I couldn't even bestow you an opinion, but my assessment wouldn't matter to the LTD company anyway. A attorney is better equipped to answer questions something like contracts. Because I work with lawyer and still can't name lots good ones, I recommend you do deeply of checking around before you settle on one.
Home Owners Insurance...Question...?
If your LTD insurance be a group policy paid for by your employer next, yes the insurance company is entitled to your retroactice Social Security benefits.
The LTD company was paying those benefits to you surrounded by good creed while you waited for the senate to process your disability claim. Group, employer-sponsored policies/contracts are written in that comportment so that they are less expensive than individual LTD policies.
If you enjoy an individual LTD policy that you paid for yourself next, no, the insurance company is not entitled to any of your social guarantee benefits.
How much should my deductible be?
Yes. The insured agreed to it when they first signed the application for coverage. But take heart, if the SSDI is MORE than the LTD payout, LTD one and only takes up to the amount they remunerated out.
It keeps you from double dipping
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