Starting in 2002, my employer offered both short-term and long-term disability insurance. All employees were allowed to sign up for these coverages for a bi-monthly premium. In July 2008 I became unable to work because of illness. My physician filed the paperwork to activate my short-term coverage. When I became unable to return to work, he filed to activate my long-term coverage. This coverage guarantees me $1300 per month until I am 65, but I was notified by MetLife that I must immediately file for Soc Sec Disability. MetLife hired an attorney for me (without my approval). My claim was approved after a hearing. Now, not only has the attorney, who never helped me at all, been paid out of my monthly check, but MetLife has notified me that they want ALL of my backpay. My SS check will be $1249, and my MetLife policy says that they must pay me $51 per month to complete my original approved amount. The illness that caused me to be unable to work was not connected to my employer in any way, and is progressive and terminal. I did not think that MetLife could place a claim against me for my backpay. I had paid every premium until I had to leave work. How are they entitled to take my backpay?