I have a TBI with Post Concussion Syndrome going on 17 years now. I am on disability benefits through an insurer (since 2009) but was denied CPP Disability Benefits when I applied at insurer’s request and was denied. Now I am about to retire in early 2018 and as part of the application package they ask the question “Did you stop work because of a disability?” which I definitely did. I did not appeal decision as I was told with a mTBI is was pretty futile and as I was receiving benefits through the insurer it did not seem important enough to use energy to fight them. Now I am not sure I should not have appealed.
My questions are:
- With the increased understanding and focus globally regarding the impact of Concussion and mTBI on people, has Canada Pension reviewed and changed their decision making practices to include mTBI impacts more favourably.
- If I was to be accepted through CPP as disabled, would my CPP benefits be higher after retirement than someone without CPPD?
- Is it worth it to appeal?