Disability Pension Question

1

Hi All;

Have been receiving LTD pension for the past 1.5 years, LTD company is now asking me to apply for CPPD, which is fine. They are also asking me to apply for a Disability pension from HOOPP, I am currently receiving free accrual until age 65.

What I’m wondering is, am I obligated to apply for a HOOPP Disability pension? I don’t really want to since it would be much less than I would receive at age 65.

Thank you.

2

I doubt you have to apply for HOOP but it depends on how the benefit plan is worded.
For example I am obligated to apply for any pension that is related to my disability.

3

I don’t know anything about HOOP but check if it has a special disability provision. Sometimes if you take a pension early for medical reasons you can still get a full pension at normal retirement age.

4

That would just be deducted from the LTD. :frowning:
But you don’t have to worry about it being cut off.

5

Yeah but it would mean your retirement pension doesn’t get reduced for starting it early.

6

I would never do that in my case. The disability pension would directly offset LTD payments. Also, pension accrual would stop.
I doubt HOOPP would be much different but each case is uniique.
Good luck

7

Check the wording of your LTD Plan. Many of the LTD plans will make it mandatory to apply for the HOOPP disability benefit after a certain number of years.

David Brannen

Disability Lawyer with Resolute Legal

The response posted above is based on the limited factual information made available and is not intended as a full and complete response to the question. The only reliable manner to obtain complete and adequate legal advice is to consult with a lawyer, fully explain your situation, and allow the lawyer enough time to research the applicable law and facts required to give an adequate opinion. The basic information provided above is intended as a public service only, a full one-on-one discussion with a lawyer should be done before taking any any action. The information posted on this forum is available to the viewing public and is not intended to create a lawyer client relationship with any person. If you want one-on-one advice, please click here to request a free consultation or call toll free 1-877-917-7050 to speak with a member with our disability claim support team.

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