I just need clarification about overpayments if approved for CPP-D while on LTD.
Wont know until Sept 2017.
(Diagnosed with Sarcoidosis in 2007 - entrance to lungs but did not take time off work - improved in about 8 months - disease still there but trace/stable or dormant .- don’t think CPP-D would look at that date but not sure.
Relapse and progression of Sarcoidosis in 2014 with worsening of disease. Diagnosed with Sarcoidosis in Lungs, heart and systemically - lymph - Nov 27, 2014. Pushed thru until Feb 2016 - treatment not working & too ill to work
Re: Worsening of symptoms: started off with a 10 week medical leave - Feb 18, 2016 - paid by hospital
Approved for STD - April 28, 2016 - declined June 26 (not enough medical info), won appeal and reinstated until July 6, 2016 (end of short term coverage).
LTD - approved July 7, 2016 - ongoing Two year mark is Feb 18, 2018.
60% of my salary and I pay the taxes which are taken off insurance payment.
If approved for CPP-D, my understanding is that insurance company can take out retro active payments (over payments) from CPP-D from when I started my STD on April 28, 2016 and then going forward they would just subtract what I get monthly from the CPP-D from what they pay me monthly on LTD.
However, if I get retro payment from CPP-D to cover Nov 2014 (first diagnosed) to Feb 18, 2016 while still working and not on LTD - LTD would not be entitled to that income - only from STD April 28 onward.
Thanks for clarification