# General Discussion **URL:** https://forum.resolutelegal.ca/c/general-discussion/6.md [Latest](https://forum.resolutelegal.ca/latest.md) · [Categories](https://forum.resolutelegal.ca/categories.md) --- ## [About the General Discussion category](https://forum.resolutelegal.ca/t/about-the-general-discussion-category/13)
**Author:** [@David\_Brannen](https://forum.resolutelegal.ca/u/David_Brannen)\ **Replies:** 0\ **Last updated:** [February 8, 2017, 5:57am UTC](https://forum.resolutelegal.ca/t/about-the-general-discussion-category/13 "2017-02-08T05:57:19Z")
Topics that don’t need a category or don’t fit into any existing category. --- ## [LTD application and HR](https://forum.resolutelegal.ca/t/ltd-application-and-hr/4562)
**Author:** [@Itsme](https://forum.resolutelegal.ca/u/Itsme)\ **Replies:** 7\ **Last updated:** [September 1, 2026, 2:33am UTC](https://forum.resolutelegal.ca/t/ltd-application-and-hr/4562 "2026-09-01T02:33:32Z")
Hello, i have an issue with my HR and LTD application. I became eligible back in Feb but did not start my application process until April. My HR Generalist did not issue the employer statement until July. I was contacted… --- ## [Lump sum and income tax](https://forum.resolutelegal.ca/t/lump-sum-and-income-tax/1951)
**Author:** [@mjban](https://forum.resolutelegal.ca/u/mjban)\ **Replies:** 5\ **Last updated:** [July 11, 2026, 2:37pm UTC](https://forum.resolutelegal.ca/t/lump-sum-and-income-tax/1951 "2026-07-11T14:37:13Z")
I know this has been questioned before, but I am unable to find the link. I receive LTD and CPPD. I also was approved for the DTC. This year, I must claim the lump sum payment provided by CPPD post approval. I never actu… --- ## [Employer demanding drug & dental plan premiums](https://forum.resolutelegal.ca/t/employer-demanding-drug-dental-plan-premiums/5528)
**Author:** [@Desmond](https://forum.resolutelegal.ca/u/Desmond)\ **Replies:** 2\ **Last updated:** [June 3, 2026, 5:11am UTC](https://forum.resolutelegal.ca/t/employer-demanding-drug-dental-plan-premiums/5528 "2026-06-03T05:11:53Z")
Greetings, Need some guidance. I have been on LTD since Oct. 2025. My employer changed their drug & dental plan effective 1/1/2026. Under the previous plan, I was not required to pay drug plan, extended health care a… --- ## [Applying for DTC - Need Guidance and Tips](https://forum.resolutelegal.ca/t/applying-for-dtc-need-guidance-and-tips/5463)
**Author:** [@Desmond](https://forum.resolutelegal.ca/u/Desmond)\ **Replies:** 3\ **Last updated:** [May 7, 2026, 8:56pm UTC](https://forum.resolutelegal.ca/t/applying-for-dtc-need-guidance-and-tips/5463 "2026-05-07T20:56:21Z")
Greetings everyone, I am very thankful I found this forum. I have been on disability since June 2025 - initially 6 weeks of STD and since September 2025 on LTD through my employer’s group insurance policy. So far, I h… --- ## [Disabilty Discount Cell Plan](https://forum.resolutelegal.ca/t/disabilty-discount-cell-plan/5440)
**Author:** [@Buckets365](https://forum.resolutelegal.ca/u/Buckets365)\ **Replies:** 2\ **Last updated:** [March 9, 2026, 2:59pm UTC](https://forum.resolutelegal.ca/t/disabilty-discount-cell-plan/5440 "2026-03-09T14:59:45Z")
Koodo provides a significant discount (25%) for those that are disabled. I contacted them last month, told them I’m disabled, that I’m getting CPP-D benefits, and that I want to participate in their Accessibility Program… --- ## [Has Anyone Requested a RTW in a Different Position?](https://forum.resolutelegal.ca/t/has-anyone-requested-a-rtw-in-a-different-position/5337)
**Author:** [@cococlem](https://forum.resolutelegal.ca/u/cococlem)\ **Replies:** 3\ **Last updated:** [November 20, 2025, 8:50pm UTC](https://forum.resolutelegal.ca/t/has-anyone-requested-a-rtw-in-a-different-position/5337 "2025-11-20T20:50:40Z")
Hi everyone, I’m currently on LTD for anxiety and I’m about to begin OT, which will eventually lead into a RTW plan. I’m trying to prepare myself early and I’m hoping someone here has gone through something similar… Be… --- ## [Insurance Company-Error in benefits left me with having to file a Consumer Proposal](https://forum.resolutelegal.ca/t/insurance-company-error-in-benefits-left-me-with-having-to-file-a-consumer-proposal/5332)
**Author:** [@Disheartened](https://forum.resolutelegal.ca/u/Disheartened)\ **Replies:** 1\ **Last updated:** [November 17, 2025, 7:09pm UTC](https://forum.resolutelegal.ca/t/insurance-company-error-in-benefits-left-me-with-having-to-file-a-consumer-proposal/5332 "2025-11-17T19:09:42Z")
My benefits were $200 less than they should have been for 3 years and I had no cost of living benefit. At the 3 year mark I decided to file a consumer proposal not looking into the consequences as deeply as I should hav… --- ## [How long can employer keep me on medical-leave?](https://forum.resolutelegal.ca/t/how-long-can-employer-keep-me-on-medical-leave/5235)
**Author:** [@av2](https://forum.resolutelegal.ca/u/av2)\ **Replies:** 3\ **Last updated:** [August 23, 2025, 2:34am UTC](https://forum.resolutelegal.ca/t/how-long-can-employer-keep-me-on-medical-leave/5235 "2025-08-23T02:34:29Z")
I was LTD from 2022-2024 when the insurance decided I should be able to return to work. I had filed a lawsuit and we reached an agreement in May 2025. In June 2025 I was approved for CPPD and the DTC. I have not hear fro… --- ## [Surviving Government Insurance Schemes is a Full time Job](https://forum.resolutelegal.ca/t/surviving-government-insurance-schemes-is-a-full-time-job/4898)
**Author:** [@Neo11](https://forum.resolutelegal.ca/u/Neo11)\ **Replies:** 6\ **Last updated:** [August 14, 2025, 6:54pm UTC](https://forum.resolutelegal.ca/t/surviving-government-insurance-schemes-is-a-full-time-job/4898 "2025-08-14T18:54:49Z")
For over 8 years now, I have had to assume the job of counsel in an effort to survive disability “a la federal public service”. For those who are public servants who are in depts under the Federal Administration Act tha… --- ## [Regarding Federal Disability tax credit application in review and paying 2019 taxes](https://forum.resolutelegal.ca/t/regarding-federal-disability-tax-credit-application-in-review-and-paying-2019-taxes/2835)
**Author:** [@Johnnyx50](https://forum.resolutelegal.ca/u/Johnnyx50)\ **Replies:** 17\ **Last updated:** [March 9, 2021, 12:58pm UTC](https://forum.resolutelegal.ca/t/regarding-federal-disability-tax-credit-application-in-review-and-paying-2019-taxes/2835 "2021-03-09T12:58:38Z")
Hello Room Great site for info , i might add, thank you to all that help out. My situation is the following. I am in the process of getting my Federal Disability Tax credit , it is currently in review and being proces… --- ## [David's Live Webinar](https://forum.resolutelegal.ca/t/davids-live-webinar/5162)
**Author:** [@Mathew](https://forum.resolutelegal.ca/u/Mathew)\ **Replies:** 1\ **Last updated:** [June 25, 2025, 8:56am UTC](https://forum.resolutelegal.ca/t/davids-live-webinar/5162 "2025-06-25T08:56:51Z")
Hello, Does anyone has link to David’s live webinar where he discusses a topic and answer audience questions? I believe it is conducted on Thursday thanks, Mathew --- ## [When does LTD end](https://forum.resolutelegal.ca/t/when-does-ltd-end/5145)
**Author:** [@jammer](https://forum.resolutelegal.ca/u/jammer)\ **Replies:** 2\ **Last updated:** [June 9, 2025, 7:35pm UTC](https://forum.resolutelegal.ca/t/when-does-ltd-end/5145 "2025-06-09T19:35:48Z")
I was born in April. 65 is a while but I’m curious. This is the wording: Long-Term Disability coverage will end on the day you reach age 65 less the elimination period of 119 days or the day you retire, whichever is … --- ## [STD prior to EI Maternity](https://forum.resolutelegal.ca/t/std-prior-to-ei-maternity/5144)
**Author:** [@Huhwhat](https://forum.resolutelegal.ca/u/Huhwhat)\ **Replies:** 2\ **Last updated:** [June 8, 2025, 7:10pm UTC](https://forum.resolutelegal.ca/t/std-prior-to-ei-maternity/5144 "2025-06-08T19:10:35Z")
STD before Maternity Leave \[BC\] I’m currently on benefits paid STD (not EI). My claim has been approved until the end of July but I am due next week. I know I have to apply for EI as of the day the baby is born but I ha… --- ## [Case manager issues](https://forum.resolutelegal.ca/t/case-manager-issues/4798)
**Author:** [@Rob98](https://forum.resolutelegal.ca/u/Rob98)\ **Replies:** 3\ **Last updated:** [May 29, 2025, 7:28pm UTC](https://forum.resolutelegal.ca/t/case-manager-issues/4798 "2025-05-29T19:28:42Z")
I been off on LTD for two and a half years with post covid symptoms, My LTD insurer made me apply for CPP-D last February and got declined in March. Two case managers later, shes asking for my denial letter she wants to … --- ## [Private Life Insurance Policy with waiver of premiums while on LTD](https://forum.resolutelegal.ca/t/private-life-insurance-policy-with-waiver-of-premiums-while-on-ltd/5126)
**Author:** [@vasilva](https://forum.resolutelegal.ca/u/vasilva)\ **Replies:** 1\ **Last updated:** [May 28, 2025, 7:19pm UTC](https://forum.resolutelegal.ca/t/private-life-insurance-policy-with-waiver-of-premiums-while-on-ltd/5126 "2025-05-28T19:19:07Z")
I have private Life Insurance Policy (separate from work) and just recently discovered that it offers Waiver of Premiums for Total disability. I never knew that this is even a thing, until I just found out after my bein… --- ## [Psychiatrist letter](https://forum.resolutelegal.ca/t/psychiatrist-letter/4976)
**Author:** [@Jend1451](https://forum.resolutelegal.ca/u/Jend1451)\ **Replies:** 3\ **Last updated:** [April 15, 2025, 4:21pm UTC](https://forum.resolutelegal.ca/t/psychiatrist-letter/4976 "2025-04-15T16:21:34Z")
My psychiatrist wrote a letter saying my condition is chronic and life long, that I haven’t been able to keep employment. Is a psychiatrist letter strong evidence? --- ## [CPP contributions while receiving CPP-D](https://forum.resolutelegal.ca/t/cpp-contributions-while-receiving-cpp-d/4366)
**Author:** [@markbc](https://forum.resolutelegal.ca/u/markbc)\ **Replies:** 5\ **Last updated:** [April 3, 2025, 6:54pm UTC](https://forum.resolutelegal.ca/t/cpp-contributions-while-receiving-cpp-d/4366 "2025-04-03T18:54:02Z")
If you receive CPP-D you are allowed to earn income up to $6500 per year. You do not contribute to CPP on this earned income while you are receiving CPP-D (See Canada Pension Plan Disability Benefit Toolkit, page 4). The… --- ## [Proposed Canada Disability Benefit Regulations Open for Public Comment until 23/09/24](https://forum.resolutelegal.ca/t/proposed-canada-disability-benefit-regulations-open-for-public-comment-until-23-09-24/4524)
**Author:** [@Amethyst](https://forum.resolutelegal.ca/u/Amethyst)\ **Replies:** 16\ **Last updated:** [March 11, 2025, 10:09pm UTC](https://forum.resolutelegal.ca/t/proposed-canada-disability-benefit-regulations-open-for-public-comment-until-23-09-24/4524 "2025-03-11T22:09:41Z")
Unsure how I got on the EDSC mailing list for the topic, but hoping the moderator will allow links related to invitation for public comment on the proposed Canada Disability Benefit. However thought this may be of intere… --- ## [Congratulations to David](https://forum.resolutelegal.ca/t/congratulations-to-david/4720)
**Author:** [@Amethyst](https://forum.resolutelegal.ca/u/Amethyst)\ **Replies:** 1\ **Last updated:** [January 15, 2025, 5:02pm UTC](https://forum.resolutelegal.ca/t/congratulations-to-david/4720 "2025-01-15T17:02:10Z")
Have been meaning to say thank you to @David\_Brannen for the written Newsletter sent via Canada Post. I like reading about David’s other interests and the general interest articles. Congratulations on the expansion of R… --- ## [Repayment Question](https://forum.resolutelegal.ca/t/repayment-question/4680)
**Author:** [@CGV](https://forum.resolutelegal.ca/u/CGV)\ **Replies:** 0\ **Last updated:** [December 5, 2024, 6:19pm UTC](https://forum.resolutelegal.ca/t/repayment-question/4680 "2024-12-05T18:19:25Z")
Recently I had gone through the steps to receive a PWD application. I first was receiving hardship, and now receiving provincial DA, approved less than a month after submitting the PWD application. Hardship is to be pai… --- ## [Article of interest - shoddy medical expert](https://forum.resolutelegal.ca/t/article-of-interest-shoddy-medical-expert/4661)
**Author:** [@Amethyst](https://forum.resolutelegal.ca/u/Amethyst)\ **Replies:** 1\ **Last updated:** [November 28, 2024, 6:35pm UTC](https://forum.resolutelegal.ca/t/article-of-interest-shoddy-medical-expert/4661 "2024-11-28T18:35:31Z")
Shoddy medical experts testimony This may be something to review if you are being subjected to independent medical exams, particularly if you have no entitlement to the report. --- ## [Leaving Canada for good?](https://forum.resolutelegal.ca/t/leaving-canada-for-good/4647)
**Author:** [@Saoy](https://forum.resolutelegal.ca/u/Saoy)\ **Replies:** 3\ **Last updated:** [November 8, 2024, 11:51am UTC](https://forum.resolutelegal.ca/t/leaving-canada-for-good/4647 "2024-11-08T11:51:31Z")
Hello, I’ve been on LTD since 2020 and also on CPPD. I’m technically still employed as I my employment has not been terminated. I’m contemplating leaving Canada for good and moving overseas, family members will take c… --- ## [Student loans & Disablitity](https://forum.resolutelegal.ca/t/student-loans-disablitity/4624)
**Author:** [@CGV](https://forum.resolutelegal.ca/u/CGV)\ **Replies:** 1\ **Last updated:** [October 24, 2024, 6:04pm UTC](https://forum.resolutelegal.ca/t/student-loans-disablitity/4624 "2024-10-24T18:04:42Z")
If you have a disability, you may qualify for the Repayment Assistance Plan for Borrowers with Disabilities (RAP-D). This plan could lower your student loan payments for 6 months. You can also submit disability related … --- ## [Anyone have experience with Henson trusts?](https://forum.resolutelegal.ca/t/anyone-have-experience-with-henson-trusts/4612)
**Author:** [@jane1](https://forum.resolutelegal.ca/u/jane1)\ **Replies:** 4\ **Last updated:** [October 16, 2024, 4:05pm UTC](https://forum.resolutelegal.ca/t/anyone-have-experience-with-henson-trusts/4612 "2024-10-16T16:05:05Z")
I have a couple questions about Henson trusts. Firstly, can you set one up for yourself? I assume not? Secondly, what is the approximate cost to set one up. Both initial and ongoing. Thank you. --- ## [LTD and CPPD Children’s Benefit](https://forum.resolutelegal.ca/t/ltd-and-cppd-children-s-benefit/4592)
**Author:** [@Harvey23](https://forum.resolutelegal.ca/u/Harvey23)\ **Replies:** 1\ **Last updated:** [October 1, 2024, 1:38pm UTC](https://forum.resolutelegal.ca/t/ltd-and-cppd-children-s-benefit/4592 "2024-10-01T13:38:56Z")
I am on LTD and on CPPD. There is a clause in my LTD policy that the insurer can deduct the children’s portion of the CPPD as well. I have a very good LTD policy. It’s non taxable so I earn the same on LTD/CPPD as I woul… --- ## [Frustration of Contract](https://forum.resolutelegal.ca/t/frustration-of-contract/4568)
**Author:** [@bellita74](https://forum.resolutelegal.ca/u/bellita74)\ **Replies:** 3\ **Last updated:** [September 15, 2024, 11:20pm UTC](https://forum.resolutelegal.ca/t/frustration-of-contract/4568 "2024-09-15T23:20:00Z")
Hi David, I am finalizing a claim for frustration of contract with my former employer. They are refusing to complete a form T1198 citing that the income from termination pay is only earned in the year of the frustratio… --- ## [LTD - unable to do any occupation](https://forum.resolutelegal.ca/t/ltd-unable-to-do-any-occupation/4566)
**Author:** [@anonymous1](https://forum.resolutelegal.ca/u/anonymous1)\ **Replies:** 0\ **Last updated:** [September 12, 2024, 12:53pm UTC](https://forum.resolutelegal.ca/t/ltd-unable-to-do-any-occupation/4566 "2024-09-12T12:53:08Z")
I was perusing this article: Disability Insurance: Own Occupation vs Any Occupation + \[video\] and it refers to case law being something like 60% of earnings prior to LTD as a threshold of sorts. Is that 60% of base salar… --- ## [Haven’t received second annual report. Should I worry?](https://forum.resolutelegal.ca/t/haven-t-received-second-annual-report-should-i-worry/4544)
**Author:** [@Moon](https://forum.resolutelegal.ca/u/Moon)\ **Replies:** 3\ **Last updated:** [September 2, 2024, 4:15am UTC](https://forum.resolutelegal.ca/t/haven-t-received-second-annual-report-should-i-worry/4544 "2024-09-02T04:15:20Z")
Hi. I have been on LTD por about 4 years. Last year was my first time filling the annual report and doctor’s annual report after being approved for CPPD and having less approaches from the insurance people. This time las… --- ## [On LTD for 4 years then retired. Salary increase for years 2022, 2023, 2024](https://forum.resolutelegal.ca/t/on-ltd-for-4-years-then-retired-salary-increase-for-years-2022-2023-2024/4531)
**Author:** [@orzzie](https://forum.resolutelegal.ca/u/orzzie)\ **Replies:** 1\ **Last updated:** [August 23, 2024, 3:10am UTC](https://forum.resolutelegal.ca/t/on-ltd-for-4-years-then-retired-salary-increase-for-years-2022-2023-2024/4531 "2024-08-23T03:10:43Z")
Hello. I went on LTD in Sept. 2019 until retirement Feb. 2024. I received an email in Aug. 2024 from the employer stating that they will pay out a lump sum salary increase of 3.0% for 2022, 3.0% for 2023 and 2.75% for … [Next page](https://forum.resolutelegal.ca/c/general-discussion/6.md?page=1)