I paid premiums for 60% Long Term Disability through pay employer Verizon after being approved for long term disability Metlife has refused to pay my benefits stating that my 60% would be less anySocial Security Disability and Pension and that they are only required to pay $20.00 a month. Metlife never paid my whole benefit but did make some payments which they are now telling me were overpayment and I need to repay them. I have requested they send me proof of disclosure at the time I enrolled stating these reductions of benfits and they have failed to do so. I have gone through their appeals process, which they upheld their decision. Metlife has sent this alledged overpayment to collections because I have refused to pay them any monies as at no time during the enrollment was any of this disclosed. I paid my premiums in good faith for years this insurance was for supplemental income should I become disabled, if it had been disclosed that these reductions would be applied there is no way I would have enrolled for their LTD.