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What may be happening is that a judgment has been rendered against you and the judgment creditor has garnished your account at the bank.  Thus, any money going into the account is subject to the garnishment of the creditor.  Yes, this is legal.  You might consider directing your long-term disability insurance company to send you the check instead.  You should then open a different bank account at a different bank to prevent garnishment.

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Ben Glass
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Ben Glass is a nationally recognized ERISA disability & life insurance attorney in Fairfax, VA.