Answered on Jun 08th, 2013 at 3:40 PM
The answer rests in the insurance contract that provides you with Long Term Disability benefits. My guess is that the company was burned too many times by people not re-paying the offset. If the contract permits it, probably not much you can do.
However, I recommend that you take up this issue up with an attorney in person so that she or he may review the policy. If you don't have it, request a copy of the policy immediately. Your facts may reveal that the LTD carrier shouldn't be "helping themselves" to your benefits. It bears further investigation.
No attorney-client relationship has been established because of the information provided. Seek local counsel to address your particular facts. MJHJ