I recently had my long-term disability (LTD) claim terminated retroactively after the insurer concluded I no longer met the policy’s disability definition. They cited an investigation that found I was enrolled in a graduate program and working part-time as a teaching assistant, which they claim contradicts my reported functional limitations (severe depression, cognitive impairments). I dispute this, as my academic/work activities are accommodated and unrelated to my prior occupation’s demands.

The insurer is demanding repayment of over $9,000 for benefits paid during the contested period. I cannot afford this. Has anyone successfully challenged a retroactive termination or overpayment demand in similar circumstances? Are there options to dispute without legal fees, or negotiate a payment plan? My mental health condition complicates navigating this alone. Any advice on next steps would be appreciated.