CPP-D medical info: have LTD insurer communicate the medical info or have my doctor complete the report?

First time poster here. Thank you David & the Resolute Legal team for an amazing website & resource.

My LTD insurance provider Sun Life has requested I apply to CPP-D as we are past the 2 year mark. All my LTD applications were approved first time around.

I’ve reviewed the resources on the pages here, but didn’t find the answer to this question.

For the CPP-D medical report, I have been given 2 options:

  1. Consent for LTD insurance provider to share medical info with CPP-D for the application OR
  2. Have my doctor complete & submit the medical report.

#1 is obviously the easy button, but I was wondering which approach is recommended and most likely to yield success?

Thanks!

Is there anything medical that you don’t want them to see for whatever reason? I don’t know what the odds of success are but I figured it was in my LTD insurer’s interests to get me approved so I did give them consent. I also don’t think I could have physically managed the process myself I was too weak.

I didn’t have a choice so my doctor completed my application.
I would let the insurance company submit the medical info UNLESS there have been new tests or diagnoses that happened AFTER the LTD was applied for.
Also, is it the same doctor now as before (rhetorical).

@Caro I’m fine with Service Canada seeing the info that LTD insurance has.

@jammer LTD insurance has required updates every 4 months for the past 2+ years from my support team, so they have the current information from all my doctors (who have not changed). They have also required written updates from me every 4 months for the past 2 years, so they have that info as well.

I have been on LTD for 1 year when the insurer requested I apply for CPPD. They only had a few medical updates on file with the insurer so I got my supportive psychiatrist to fill out the CPPD Medical form and I also got the insurer to send if the medical documents they had on file. I wanted to give it my best chance on my initial application. I applied in late Nov so I am at day 60 and hopeful by day 120 I find out from CPPD one way or another.

Sounds ok to me so I would let them do it if it was me.

Best of luck.
I wonder if they are still really slow, probably. :frowning:

robfun and Harvey23:
Apply for the DTC (Disability Tax Credit) too.
It is worth having.

Yes I applied and got approved for DTC. I included my DTC application that my psychiatrist filled out with my CPPD application as well.

Sometimes the insurance company will hire a firm that specializes in filling out the CPP disability forms. You should ask about this as these firms know what to say.

Thanks @RaptorsFan ! This is good to know I’ll have to ask.

This depends on how strong the information is in your LTD file. How well does the medical information support that you have a “severe and prolonged” disability as defined by CPP disability. It is possible to meet the definition for disability from “any occupation” for LTD but still not meet the definition of a “Severe and Prolonged” disability for purposes of CPP.

This is what we look at when deciding what to do for people when we are preparing their application for CPPD.

You can always start with the LTD information only and get your doctor to do a report if your initial claim gets denied.


David Brannen

Disability Lawyer with Resolute Legal

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What is your take if you get the LTD insurer to send in the medical information they have on file and also get your doctor to fill out the CPPD Medical form as your doctor supports your application and will confirm that you are not able to any work in the future as your condition is getting worse and it continuous.

Thank you for the reply & info @David_Brannen

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That is often the best way to do it. We will always do that for our own clients unless the medical information from the insurance company is very strong in proving disability as defined by CPP.