# Allowing Insurance company to deduct Retroactive Payment Signing Form 1618 A-B **URL:** \ **Category:** CPP Disability\ **Created:** [March 29, 2021, 10:06am UTC](https://forum.resolutelegal.ca/t/allowing-insurance-company-to-deduct-retroactive-payment-signing-form-1618-a-b/3294 "2021-03-29T10:06:17Z")\ **Posts on this page:** 9\ **Page:** 1
**Author:** ![Mathew](https://avatars.discourse-cdn.com/v4/letter/m/5daacb/32.png) [@Mathew](https://forum.resolutelegal.ca/u/Mathew)\ **Post date:** [March 29, 2021, 10:06am UTC](https://forum.resolutelegal.ca/t/allowing-insurance-company-to-deduct-retroactive-payment-signing-form-1618-a-b/3294/1 "2021-03-29T10:06:17Z")
Hello, My insurance company has sent me CPPD application package in which there is a form 1618 AB authorizing my insurance company to get the full retroactive payment and also allow service Canada to communicate with my insurance. Is it a must to sign this form? Would really appreciate some guidance on this. thanks, ---
**Author:** ![Adam](https://avatars.discourse-cdn.com/v4/letter/a/4af34b/32.png) [@Adam](https://forum.resolutelegal.ca/u/Adam)\ **Post date:** [March 29, 2021, 2:33pm UTC](https://forum.resolutelegal.ca/t/allowing-insurance-company-to-deduct-retroactive-payment-signing-form-1618-a-b/3294/2 "2021-03-29T14:33:59Z")
David has made a post on this exact topic. Here is the link which should answer your questions: > **[Irrevocable Consent to Deduct and Pay an Insurer: What You Need to Know](https://www.resolutelegal.ca/cppd-irrevocable-consent-deduct-pay-insurer/)** > > Has your insurance company sent you an Irrevocable Consent to Deduct and Pay an Insurer form? Are you wondering what it is, what it means, or if you ---
**Author:** ![Mathew](https://avatars.discourse-cdn.com/v4/letter/m/5daacb/32.png) [@Mathew](https://forum.resolutelegal.ca/u/Mathew)\ **Post date:** [March 29, 2021, 2:41pm UTC](https://forum.resolutelegal.ca/t/allowing-insurance-company-to-deduct-retroactive-payment-signing-form-1618-a-b/3294/3 "2021-03-29T14:41:04Z")
thankyou this is really valuable information ---
**Author:** ![Kiddomoase](https://avatars.discourse-cdn.com/v4/letter/k/90db22/32.png) [@Kiddomoase](https://forum.resolutelegal.ca/u/Kiddomoase)\ **Post date:** [March 30, 2021, 7:41pm UTC](https://forum.resolutelegal.ca/t/allowing-insurance-company-to-deduct-retroactive-payment-signing-form-1618-a-b/3294/4 "2021-03-30T19:41:24Z")
Hi, no you don’t have to sign it or consent for them to receive correspondence from CPPD. I filled out my forms was approved. When I received my retroactive pay, I contacted and send my caseworker the approval notice to inform her. She interned sent it to the appropriate person, and she informed me what I owed to them. I sent them off a cheque. ---
**Author:** ![Mathew](https://avatars.discourse-cdn.com/v4/letter/m/5daacb/32.png) [@Mathew](https://forum.resolutelegal.ca/u/Mathew)\ **Post date:** [March 30, 2021, 9:45pm UTC](https://forum.resolutelegal.ca/t/allowing-insurance-company-to-deduct-retroactive-payment-signing-form-1618-a-b/3294/5 "2021-03-30T21:45:09Z")
thankyou. Is the retroactive payment only for 11 months max. Its been 2.5 years since i have been disabled but somewhere in the forms I saw that they only pay for max of 11 months ---
**Author:** ![Kiddomoase](https://avatars.discourse-cdn.com/v4/letter/k/90db22/32.png) [@Kiddomoase](https://forum.resolutelegal.ca/u/Kiddomoase)\ **Post date:** [March 30, 2021, 10:30pm UTC](https://forum.resolutelegal.ca/t/allowing-insurance-company-to-deduct-retroactive-payment-signing-form-1618-a-b/3294/6 "2021-03-30T22:30:14Z")
Hi Mathew Yes I believe they only go back 11 months. At the end of year you will get a income tax slip for the full amount your received including the retro. But the tax slip from the insurance company will offset it. Hope this helps Janet ---
**Author:** ![Mathew](https://avatars.discourse-cdn.com/v4/letter/m/5daacb/32.png) [@Mathew](https://forum.resolutelegal.ca/u/Mathew)\ **Post date:** [March 30, 2021, 10:53pm UTC](https://forum.resolutelegal.ca/t/allowing-insurance-company-to-deduct-retroactive-payment-signing-form-1618-a-b/3294/7 "2021-03-30T22:53:16Z")
thanks and by offset you mean I wont be paying tax on the retro payment since it went straight to the insurance company right? ---
**Author:** ![Kiddomoase](https://avatars.discourse-cdn.com/v4/letter/k/90db22/32.png) [@Kiddomoase](https://forum.resolutelegal.ca/u/Kiddomoase)\ **Post date:** [March 30, 2021, 11:13pm UTC](https://forum.resolutelegal.ca/t/allowing-insurance-company-to-deduct-retroactive-payment-signing-form-1618-a-b/3294/8 "2021-03-30T23:13:38Z")
Yeah cuz they have already deducted the tax from it ---
**Author:** ![Caro](https://avatars.discourse-cdn.com/v4/letter/c/b19c9b/32.png) [@Caro](https://forum.resolutelegal.ca/u/Caro)\ **Post date:** [March 31, 2021, 12:46am UTC](https://forum.resolutelegal.ca/t/allowing-insurance-company-to-deduct-retroactive-payment-signing-form-1618-a-b/3294/9 "2021-03-31T00:46:10Z")
That’s only if your LTD payments were taxable. If the payments were untaxable you might end up with a tax bill for your CPPD. You can ask CRA to split it over the years it was paid for to reduce your tax.