My husband did not sign the Irrevocable form and GWL has reduced his monthly benefit in half. You do not have to sign the Irrevocable Consent but they likely will reduce your benefit by aprox 950.00 or so.
If you can handle up to 6 months of reduced benefits then don’t sign the forms. Our Great West policy does not require that my husband apply for CPP-D-some GWL policies do have a specific provision that you must apply and appeal if requested by GWL.
I am not aware of any policy that requires you to sign an irrevocable form (but may be in some Union contracts)
Request a complete copy of your claim file via email or fax. Also ask your employer and GWL for a complete copy of the Master policy. If you need the email just ask and I will message you.
Likely GWL had you sign a reimbursement agreement. In my husbands “imposed” reimbursement agreement from GWL :
it specifically states that for applying For CPP-D they will continue to pay full benefits and he has 30 days to submit any over payment after receiving it…
It is not bad faith on your part to not sign the forms. It would be bad faith if you did not notify them of any over payment.
You can sign the irrevocable and GWL can cut you off claim the next day.
My husband is claiming against GWL in court and the unwarranted reduction of his benefits is part of what we are asking the court to decide. The sad part is we are living on soup and crackers due to the loss of benefits but we feel we would regret it if we signed the forms.
Asking for your claim file maybe helpful if you need to appeal a cpp-d denial. It may also allow you to see why GWL took so long to initially pay you. Your governing Master policy will let you know your obligations and the Insurers.
Just ask politely-it is reasonable for you to have copies of this information