Answered on Feb 23rd, 2012 at 11:32 PM
Do you see the icon of the house in the top left corner? If you click that it will help you find a lawyer in your geographical area and find someone that works with social security disability cases or someone in contracts or insurance.
Based on what you have described, you likely will have to pay it back. In my experience, most contracts of this type, especially if the policy was paid for by your employer, you owe it according to the terms of the disability insurance policy which is a contract. If you are able to locate the first letter sent to you about your monthly benefits you were advised about this "pay back" requirement.
If you had a lawyer help you get Social Security Disability benefits, request a reduction in the amount due equal to the amount of the attorney fees and expenses paid.
Your social security benefits cannot be garnished if you follow all requirements (beginning by segregating your disability benefits and not commingling them with other assets), but you can be sued. If you have other assets, those could be subject to garnishment.
The bottom line is you will probably have to pay it back. Because you have spent a portion of it, negotiating a lump sum payment that is less than the amount due is possible, so try it. You have a tough road to hoe, and that is why I suggested at the beginning that you hire an attorney.
No attorney-client relationship has been established because of the information provided. Seek local counsel to address your particular facts. MJHJ