Thank you for this site and for the advice it offers. I am deeply grateful. Here is my issue:
While I did read the information regarding lump sum retroactive payments from CPPD being taken by the long term disability insurance company, my situation is a bit unique … so am not sure how to proceed.
My insurance policy is a ‘premium’ policy, meaning that: as long as the monthly CPPD + Disability Benefit (insurance company payment) do not exceed what my monthly salary ‘was’, then no deduction will be made = I receive both amounts with no deduction from the insurance company. And this is the case, both monthly payment sums do NOT total what my salary was on a monthly basis.
So, now I have received a retroactive CPPD payment for a collective of 17 months. The insurance company wants to take it. My argument is that - if you look at each payment received by CPPD (for each of the 17 months) and add that to the monthly amount from the insurance company - there is NO overpayment as each monthly totals do NOT exceed what my monthly salary would have been. Therefore I owe NOTHING.
This is my logic (I am a former auditor).
I am desperately seeking some advice here. I will seek legal counsel if needed, but do not want to so, yet.
Thank you SO Much!