It sounds like you’re navigating a really complicated and frustrating situation with CPP-D, LTD, taxes, and low-income programs. It’s tough when so many different factors come into play, and it feels like there’s no clear guidance. The advice to keep track of everything—letters from Service Canada, T4A forms, and medical expenses—is solid, even though it’s a lot of extra work. Hopefully, your efforts to resolve the retroactive payment issue and appeal for low-income support will lead to a smoother process down the road. Wishing you the best of luck as you work through this!