Thank you again cbg. I appreciate your time and efforts.

Can anyone else answer the other questions or offer additional insight?

Sorry to bump my own post. I am just to make it easier to respond without re-reading the whole thread. My remaining questions are:

1- If I could change my child’s payee (for dependent SSDI pmnts), would that likely prevent the LTD company from deducting it from my benefits?

2- If necessary, could I bankrupt the overpayments that LTD is seeking?

Thanks again for any help that can be offered.