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I'm Lucy, and I'd be happy to answer your questions today. I'm sorry to hear that this happened.
Is there a clause in your insurance contract that says "subrogation"? If so, what does it say? Also, you can ask the insurance company to point you to the clause they think entitles them to a refund, and that might help. Then we can evaluate that language. The answer to this type of question is usually found in the policy, though, so the language is important. I'm looking for anything that says the insurance company is entitled to reimbursement for benefits paid if you get money from another source.
If it specifically says you only have to repay them with money received from SSDI, and you're getting other social security benefits, then you wouldn't have to repay them. They could sue you, but they won't win if their own contract is ambiguous or doesn't say what they're claiming it does.
Do you have any other questions about this?