For the consent for LTD to send information on your file to CPPD on your behalf - I watched David’s video which suggested you allow this, otherwise they may wonder why you haven’t.
For the section H consent for Service Canada - The CPPD Application workbook suggests that you consider saying no, except in the case where you would have trouble getting your own records.
I would just like to confirm if, as of 2026, is this still the best approach?
I think it depends on whether you are ok with your insurer knowing that you’ve applied for CPP-D. If they find out, they can estimate your CPP-D benefits and start deducting them from your LTD benefits, so unless your insurer has told you to apply for CPP-D, I think it’s better not to tell them. CPP-D applications take 4 months or longer (some people in this forum have mentioned up to 8-9 months) so you could end up with a reduced LTD benefit amount for that period. Plus if your CPP-D is denied, then you’d have to appeal or resubmit.
I applied for CPP-D without telling my insurer, and submitted my complete LTD claim file to Service Canada with my CPP-D application. I still checked off the section consenting to Service Canada directly asking my doctors and insurer for additional information as I figured Service Canada probably wont contact my insurer.
If you want to, you could disagree to consenting to this, because honestly Service Canada doesn’t read your application properly - they contacted my doctor directly for more information when the medical report my doctor had filled out included all the information.
So checking that box and consenting, while assuming Service Canada wont directly contact your doctors or insurer is rather risky. If you really dont want Service Canada to contact your insurer during the process, it’s probably safer to not check that box. Service Canada can always contact you to request for whatever information they need. It’s a bit of a hassle as Service Canada wont leave their detailed questions on a voice message if you miss their calls. They’ll try one more time the next day and if you dont answer that call as well, you have to schedule a call back.
Once approved for CPP-D, it was only then that I informed my insurer that I was approved for CPP-D and asked for instructions for sending my insurer the backpay amount from Service Canada that my insurer gets to claw back.