Told I owe money back on my benefits after 12 years as a customer-service rep

I received a letter saying I was overpaid about $1200 on my claim. There are 12 people counting on me, so I am trying to be careful. I cannot afford to repay it all at once.

Read the letter for the appeal deadline and act on it, even if you think you will end up repaying. Then ask about a payment plan.