The insurance company managing my Cobra insurance is ADP but it is my previous employer who will be expecting to be reimbursed for the amount equal to what I have been approved for by SS, retroactive 2 years. For example, if I have been approved by SS for 500.00 a month, they will expect to be repaid 500.00 x 24months, and then they will subtract from any future payments the 500.00.
I don't understand why they should get anything back, I paid insurance premiums for the long term disability insurance, therefore as far as I am concerned, the payments are a direct result of that insurance benefit, will they be reimbursing me for the premiums that I paid them for the insurance then? If they feel they are intitled to the money they paid out from that insurance, I should be entitled to get reimbursed for the premiums, fair is fair right?! We all know that "Fair" has nothing to do with how we are treated or how insurance companies operate. UGGH!