I first applied for CPP disability benefits in 2008 after getting a lawyer for disability benefits from my company insurer, who initially rejected my claim. During a meeting, the company then offered me two years disability pay to 2010 which I accepted, as I had hoped to improve medically and return to work. As I was told I had to apply for CPP disability benefits, I did so. However, I moved I never did get an answer as per CPP disability benefits. I tried to return to work in 2010, but the company made it very difficult. The company finally offered me a lump sum to take early retirement. As I was an emotional basketcase by this time, I accepted and left in 2010. I started to receive an early retirement company pension. I did not work, but in 2013, I tried to work part-time, had to leave due to my disability, then I worked part time again in 2014 and 2015, but due to medical issues, again had to leave. Early 2016 I began to receive CPP regular reduced as I just turned 60. Foolishly, I did not apply for CPP disability again as I didn’t think I could get it at 60. Upon reading about it, I recently realized if within 15 months of regular CPP I could still apply for CPP disability and did so last month, in the 14 th month. I took my application directly to CPP office and it was stamped and it is now on record. I got it in just in time. I then was told I had applied in 2008, but was denied. I had forgotten all about it and never received the letter of denial as I had moved and thus never followed up. However, even if I had, I received 2 years disability benefit and one year attrition between 2008 and 2010, when I took early retirement. Anyway, the CPP person I spoke with stated maybe it was not worth going on CPP disability, however it was my choice. It was stated to me I would have to pay back all my regular CPP benefits for 14 months, and more until my claim is actually approved. My CPP disability payment would be a little over $900 monthly. Employment income in 2013, 14, 15 was all under 5K per annum as it was part time and I could not even handle that. So, my question is after all this rambling is, I have to pay back all the benefits for CPP retirement from age 60 to when I get approval, also assuming more time for appeals etc, as I realize probably most apps are denied in the first place. So I get a lump sum of the 900 monthly for 11 months, then pay back about the same is benefits? However, I do not see why the lady at CPP would try to disuade me, as it would mean I would get the 900 monthly eventually if approved and the pay back would be a wash? As my disability was from 2008 actually, is there any case that CPP can go back "more than 11 months?
Thank you so much if you have the time.