# Latest **URL:** https://forum.resolutelegal.ca/latest.md [Latest](https://forum.resolutelegal.ca/latest.md) · [Categories](https://forum.resolutelegal.ca/categories.md) --- ## [Welcome to the Disability Claim Forum](https://forum.resolutelegal.ca/t/welcome-to-the-disability-claim-forum/8)
**Author:** [@system](https://forum.resolutelegal.ca/u/system)\ **Replies:** 0\ **Last updated:** [February 7, 2017, 2:02pm UTC](https://forum.resolutelegal.ca/t/welcome-to-the-disability-claim-forum/8 "2017-02-07T14:02:03Z")
Thanks for taking the time to join our community. This forum is meant to serve as a resource for anyone applying for short or long-term disability payments in Canada . You may post any legal questions you have here and o… --- ## [How to cope with being disabled?](https://forum.resolutelegal.ca/t/how-to-cope-with-being-disabled/5659)
**Author:** [@Ouchie](https://forum.resolutelegal.ca/u/Ouchie)\ **Replies:** 4\ **Last updated:** [September 21, 2026, 6:56pm UTC](https://forum.resolutelegal.ca/t/how-to-cope-with-being-disabled/5659 "2026-09-21T18:56:36Z")
I’ve been approved for LTD just recently. Hooray. But I feel horribly Empty and without purpose I was a workaholic and super ambitious from high school to university and corporate job. Now I can’t even get up some days. … --- ## [LTD Transition to any occupation but confused](https://forum.resolutelegal.ca/t/ltd-transition-to-any-occupation-but-confused/5660)
**Author:** [@Ak16](https://forum.resolutelegal.ca/u/Ak16)\ **Replies:** 3\ **Last updated:** [September 21, 2026, 6:31pm UTC](https://forum.resolutelegal.ca/t/ltd-transition-to-any-occupation-but-confused/5660 "2026-09-21T18:31:20Z")
I have my insurer recently sent me this letter that I have been transferred to LTD any occupation but not mentioned till age 65 but only vague statement at this time, I have been approved for CPP disability but what you … --- ## [Insurer demanding I undergo RTW CBT](https://forum.resolutelegal.ca/t/insurer-demanding-i-undergo-rtw-cbt/5650)
**Author:** [@Desmond](https://forum.resolutelegal.ca/u/Desmond)\ **Replies:** 5\ **Last updated:** [September 21, 2026, 3:30am UTC](https://forum.resolutelegal.ca/t/insurer-demanding-i-undergo-rtw-cbt/5650 "2026-09-21T03:30:36Z")
I have been on LTD since Sep 2025. COD is 30 Sep 2027 Recently applied for CPP-D based on demand by insurance company - too early for any outcome. A new situation has cropped up with my LTD insurance company, as follo… --- ## [CPP petition- asking for protections to be restored](https://forum.resolutelegal.ca/t/cpp-petition-asking-for-protections-to-be-restored/5653)
**Author:** [@wanderingspirit](https://forum.resolutelegal.ca/u/wanderingspirit)\ **Replies:** 1\ **Last updated:** [September 17, 2026, 8:06pm UTC](https://forum.resolutelegal.ca/t/cpp-petition-asking-for-protections-to-be-restored/5653 "2026-09-17T20:06:53Z")
here is a petition if anyone is interesting in signing. --- ## [Long-Term LTD Claim, CPPD Approved — Now Possible Functional Assessment](https://forum.resolutelegal.ca/t/long-term-ltd-claim-cppd-approved-now-possible-functional-assessment/5644)
**Author:** [@Jon](https://forum.resolutelegal.ca/u/Jon)\ **Replies:** 11\ **Last updated:** [September 10, 2026, 11:40am UTC](https://forum.resolutelegal.ca/t/long-term-ltd-claim-cppd-approved-now-possible-functional-assessment/5644 "2026-09-10T11:40:41Z")
Looking for some opinions from people familiar with LTD/CPPD and the transition to an “any occupation” definition. I’ve been on LTD for several years due to a post-viral condition involving ongoing central dizziness, co… --- ## [No recent contact with provider](https://forum.resolutelegal.ca/t/no-recent-contact-with-provider/5124)
**Author:** [@Maria](https://forum.resolutelegal.ca/u/Maria)\ **Replies:** 5\ **Last updated:** [September 8, 2026, 6:42pm UTC](https://forum.resolutelegal.ca/t/no-recent-contact-with-provider/5124 "2026-09-08T18:42:31Z")
I have been on Ltd for quite a while (past 2 year mark) and my insurance always send a regular questionnaire every few months. Which is expected. This time, it’s been almost a year. And while I do not miss them, this mak… --- ## [Insurance offering buy out](https://forum.resolutelegal.ca/t/insurance-offering-buy-out/5646)
**Author:** [@Suncana](https://forum.resolutelegal.ca/u/Suncana)\ **Replies:** 9\ **Last updated:** [September 7, 2026, 10:19pm UTC](https://forum.resolutelegal.ca/t/insurance-offering-buy-out/5646 "2026-09-07T22:19:57Z")
Hey everyone, My LTD insurance called me to see if I’m interested in a lump sum buyout. I don’t know what to make of this. I never considered this as an option. If there’s someone here who’s been in a similar situation… --- ## [Employer managing STD? \[AB Gov Union Position\]](https://forum.resolutelegal.ca/t/employer-managing-std-ab-gov-union-position/5639)
**Author:** [@HardRom](https://forum.resolutelegal.ca/u/HardRom)\ **Replies:** 4\ **Last updated:** [September 3, 2026, 10:29pm UTC](https://forum.resolutelegal.ca/t/employer-managing-std-ab-gov-union-position/5639 "2026-09-03T22:29:05Z")
I was told to take medical (stress) leave by my doctor and when I went to submit my prescription, my employer informed me that they’re moving toward (not yet policy) with handling short-term disability claims going forwa… --- ## [Petition e-7573 (Social affairs and equality)](https://forum.resolutelegal.ca/t/petition-e-7573-social-affairs-and-equality/5622)
**Author:** [@wanderingspirit](https://forum.resolutelegal.ca/u/wanderingspirit)\ **Replies:** 17\ **Last updated:** [September 3, 2026, 7:24pm UTC](https://forum.resolutelegal.ca/t/petition-e-7573-social-affairs-and-equality/5622 "2026-09-03T19:24:00Z")
This petition is related to issues facing disabed Canadians involving age cut off and may have interest to some members. Whereas: Canadians with disabilities face systemic poverty and higher living costs that do not d… --- ## [Transiting to from STD to LTD](https://forum.resolutelegal.ca/t/transiting-to-from-std-to-ltd/5642)
**Author:** [@Shelby\_K](https://forum.resolutelegal.ca/u/Shelby_K)\ **Replies:** 2\ **Last updated:** [September 1, 2026, 2:47pm UTC](https://forum.resolutelegal.ca/t/transiting-to-from-std-to-ltd/5642 "2026-09-01T14:47:09Z")
Due to the human‑rights issue that significantly impacted my ability to work over the past year, my employer’s short‑term disability program is transitioning me to LTD effective October 1. Given that I have multiple disa… --- ## [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… --- ## [Employer backdating my leave records](https://forum.resolutelegal.ca/t/employer-backdating-my-leave-records/5641)
**Author:** [@Shelby\_K](https://forum.resolutelegal.ca/u/Shelby_K)\ **Replies:** 0\ **Last updated:** [September 1, 2026, 2:30am UTC](https://forum.resolutelegal.ca/t/employer-backdating-my-leave-records/5641 "2026-09-01T02:30:48Z")
I currently have an active human rights complaint ( accepted and handling it on my own) yesterday I went on to check my something thru their online Portal and I discovered that my employer had backdated multiple leave en… --- ## [Expense repayment](https://forum.resolutelegal.ca/t/expense-repayment/5638)
**Author:** [@HereFishie](https://forum.resolutelegal.ca/u/HereFishie)\ **Replies:** 0\ **Last updated:** [August 22, 2026, 5:29am UTC](https://forum.resolutelegal.ca/t/expense-repayment/5638 "2026-08-22T05:29:51Z")
If someone goes on STD and they’re signed off work for a few months from Dr, can the employer withhold expenses repayments? --- ## [How many have done a reconsideration on denial for cpp disabilty](https://forum.resolutelegal.ca/t/how-many-have-done-a-reconsideration-on-denial-for-cpp-disabilty/1576)
**Author:** [@Heidinsky](https://forum.resolutelegal.ca/u/Heidinsky)\ **Replies:** 15\ **Last updated:** [August 19, 2026, 10:31pm UTC](https://forum.resolutelegal.ca/t/how-many-have-done-a-reconsideration-on-denial-for-cpp-disabilty/1576 "2026-08-19T22:31:45Z")
Hello we have recieved a denial letter from cpp disabilty the reasons are not even my husbands issues ex on denial it says left eye migraines are treated with medication with good effect no where does it say or did it sa… --- ## [CPP-D Denial - Appeal Help](https://forum.resolutelegal.ca/t/cpp-d-denial-appeal-help/2646)
**Author:** [@CGMS](https://forum.resolutelegal.ca/u/CGMS)\ **Replies:** 7\ **Last updated:** [August 19, 2026, 10:26pm UTC](https://forum.resolutelegal.ca/t/cpp-d-denial-appeal-help/2646 "2026-08-19T22:26:47Z")
I received my letter finally yesterday and they have denied my CPP Disability application. They list 2 reasons for the denial, both of which are based on general reports that my neurologist sent my GP after follow up vi… --- ## [Calculator for estimate of CPP including CPPD](https://forum.resolutelegal.ca/t/calculator-for-estimate-of-cpp-including-cppd/5631)
**Author:** [@jammer](https://forum.resolutelegal.ca/u/jammer)\ **Replies:** 12\ **Last updated:** [August 19, 2026, 10:18pm UTC](https://forum.resolutelegal.ca/t/calculator-for-estimate-of-cpp-including-cppd/5631 "2026-08-19T22:18:22Z")
Does anyone know of a CPP calculator that includes CPPD? My bank is trying to make a retirement plan for me but they are not doing a good job with the CPP/OAS estimate. --- ## [CPPD retroacvtive payment sent directly to Insurer tax implications](https://forum.resolutelegal.ca/t/cppd-retroacvtive-payment-sent-directly-to-insurer-tax-implications/5637)
**Author:** [@Jon](https://forum.resolutelegal.ca/u/Jon)\ **Replies:** 2\ **Last updated:** [August 18, 2026, 5:14am UTC](https://forum.resolutelegal.ca/t/cppd-retroacvtive-payment-sent-directly-to-insurer-tax-implications/5637 "2026-08-18T05:14:47Z")
Hi everyone, I’m hoping someone with a similar situation can help me understand how the taxes may work. I was recently approved for CPP Disability. My approval is retroactive to May 1, 2025. My Service Canada payment s… --- ## [CPPD approved. Lump sum payment and taxes](https://forum.resolutelegal.ca/t/cppd-approved-lump-sum-payment-and-taxes/5635)
**Author:** [@Charjo](https://forum.resolutelegal.ca/u/Charjo)\ **Replies:** 4\ **Last updated:** [August 15, 2026, 4:39pm UTC](https://forum.resolutelegal.ca/t/cppd-approved-lump-sum-payment-and-taxes/5635 "2026-08-15T16:39:18Z")
I am on LTD since 2020. Was a registered nurse. They went back to 2023. A lump sum was sent to Medavie for 63 000$. Is that whole amount going to be taxed. I now have less income since approved so how do you pay back whe… --- ## [CPP interested in debate](https://forum.resolutelegal.ca/t/cpp-interested-in-debate/5616)
**Author:** [@wanderingspirit](https://forum.resolutelegal.ca/u/wanderingspirit)\ **Replies:** 14\ **Last updated:** [August 13, 2026, 1:24pm UTC](https://forum.resolutelegal.ca/t/cpp-interested-in-debate/5616 "2026-08-13T13:24:00Z")
This the text from CPP section 65(3) (3) Despite subsections (1) and (1.1), if an administrator of a disability income program who is approved by the Minister makes a payment under that program to a person for a month or… --- ## [CPP-D with Wsib and LTIP](https://forum.resolutelegal.ca/t/cpp-d-with-wsib-and-ltip/5614)
**Author:** [@Annie65](https://forum.resolutelegal.ca/u/Annie65)\ **Replies:** 2\ **Last updated:** [August 6, 2026, 3:04am UTC](https://forum.resolutelegal.ca/t/cpp-d-with-wsib-and-ltip/5614 "2026-08-06T03:04:26Z")
I am currently receiving WSIB benefits, but Manulife is now paying my pension. Manulife had me apply for CPP-D and I was approved. I received back pay to my date of injury. WSIB has confirmed with me that they will offse… --- ## [Long-term disability dental](https://forum.resolutelegal.ca/t/long-term-disability-dental/5625)
**Author:** [@Limei](https://forum.resolutelegal.ca/u/Limei)\ **Replies:** 5\ **Last updated:** [August 6, 2026, 2:12am UTC](https://forum.resolutelegal.ca/t/long-term-disability-dental/5625 "2026-08-06T02:12:46Z")
I was diagnosed with parkinson’s disease in April 2023, but now sunlife denied my long-term disability application, what should I do next? --- ## [Offest Ltd and taxable](https://forum.resolutelegal.ca/t/offest-ltd-and-taxable/5618)
**Author:** [@Samir](https://forum.resolutelegal.ca/u/Samir)\ **Replies:** 4\ **Last updated:** [August 4, 2026, 7:46pm UTC](https://forum.resolutelegal.ca/t/offest-ltd-and-taxable/5618 "2026-08-04T19:46:01Z")
Hi everyone I need help. Grievance settlement offer. Damages for relinquishing the statutory right to reinstatementre-instatement to a unionized job Is this taxable or non taxable? Does this offset by long term disa… --- ## [Doctor Failed to Submit CPP Disability Medical Report After Assuring Me It Would Be Sent — What Are My Options?](https://forum.resolutelegal.ca/t/doctor-failed-to-submit-cpp-disability-medical-report-after-assuring-me-it-would-be-sent-what-are-my-options/5627)
**Author:** [@LTD69](https://forum.resolutelegal.ca/u/LTD69)\ **Replies:** 25\ **Last updated:** [July 26, 2026, 1:28am UTC](https://forum.resolutelegal.ca/t/doctor-failed-to-submit-cpp-disability-medical-report-after-assuring-me-it-would-be-sent-what-are-my-options/5627 "2026-07-26T01:28:15Z")
Hi everyone, I am looking for guidance regarding a serious problem involving my longtime family doctor and the medical portion of my CPP Disability application. I had been a patient of this physician for approximately 1… --- ## [Human Trafficking Survivor: Prospective LTD Settlement?](https://forum.resolutelegal.ca/t/human-trafficking-survivor-prospective-ltd-settlement/5628)
**Author:** [@Saris](https://forum.resolutelegal.ca/u/Saris)\ **Replies:** 0\ **Last updated:** [July 22, 2026, 11:28pm UTC](https://forum.resolutelegal.ca/t/human-trafficking-survivor-prospective-ltd-settlement/5628 "2026-07-22T23:28:42Z")
Hi Resolute, I have been on disability 10-20 times often for years at a time, for more than half my 15+ year career as a fellow actuary. I have a previous diagnosis of Type 1 Bipolar now Schizoaffective (Bipolar Type) … --- ## [Cra dumping my cpp d all in year 2025 when break down clearly shows 2023 2024 and 2025](https://forum.resolutelegal.ca/t/cra-dumping-my-cpp-d-all-in-year-2025-when-break-down-clearly-shows-2023-2024-and-2025/5613)
**Author:** [@pammey](https://forum.resolutelegal.ca/u/pammey)\ **Replies:** 4\ **Last updated:** [July 12, 2026, 4:16am UTC](https://forum.resolutelegal.ca/t/cra-dumping-my-cpp-d-all-in-year-2025-when-break-down-clearly-shows-2023-2024-and-2025/5613 "2026-07-12T04:16:41Z")
hello I got my cpp d 2025 waited 3 years and I myself got the break down from service Canada I went ahead and re did my taxes and i put the correct amounts on 2023 2024 and then did 2025 they made a mess did the 2023 20… --- ## [Threat of cut-off during active MAID assessment](https://forum.resolutelegal.ca/t/threat-of-cut-off-during-active-maid-assessment/5611)
**Author:** [@sunflower](https://forum.resolutelegal.ca/u/sunflower)\ **Replies:** 3\ **Last updated:** [July 12, 2026, 2:04am UTC](https://forum.resolutelegal.ca/t/threat-of-cut-off-during-active-maid-assessment/5611 "2026-07-12T02:04:00Z")
My GP abruptly fired me during an active MAID assessment (track 2), then misled Canada Life claiming I “withdrew consent” for him to send my records, omitting that he terminated me (yes, there are 2 college compaints abo… --- ## [T4A Recieved for 2019 after CPPd approval last year](https://forum.resolutelegal.ca/t/t4a-recieved-for-2019-after-cppd-approval-last-year/2602)
**Author:** [@HereFishie](https://forum.resolutelegal.ca/u/HereFishie)\ **Replies:** 8\ **Last updated:** [July 11, 2026, 3:03pm UTC](https://forum.resolutelegal.ca/t/t4a-recieved-for-2019-after-cppd-approval-last-year/2602 "2026-07-11T15:03:42Z")
I received CPPD last spring with a large retro payment over 20k for to my predisability income and length of time back to 2017. I repaid the insurer the overpayment. Now I have this T4A looking to apply over 33kin incom… --- ## [CPP-D, taxes, medical expenses, and low income programs](https://forum.resolutelegal.ca/t/cpp-d-taxes-medical-expenses-and-low-income-programs/1170)
**Author:** [@searching](https://forum.resolutelegal.ca/u/searching)\ **Replies:** 21\ **Last updated:** [July 11, 2026, 2:44pm UTC](https://forum.resolutelegal.ca/t/cpp-d-taxes-medical-expenses-and-low-income-programs/1170 "2026-07-11T14:44:50Z")
Hi all, I’ve been reading on here that others, like me, have a lot of anxiety about CPP-D and taxes. While I was pleased to get CPP-D (to strengthen my case if LTD cuts me off), I was frustrated. I was angry that LTD g… --- ## [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… [Next page](https://forum.resolutelegal.ca/latest.md?page=1)