# HELP PLZ! denied LTD, didn't apply for CPP-D, lawsuit now at 12+ months

**URL:** <https://forum.resolutelegal.ca/t/help-plz-denied-ltd-didnt-apply-for-cpp-d-lawsuit-now-at-12-months/2590>\
**Category:** Uncategorized\
**Created:** [February 4, 2020, 10:57pm UTC](https://forum.resolutelegal.ca/t/help-plz-denied-ltd-didnt-apply-for-cpp-d-lawsuit-now-at-12-months/2590 "2020-02-04T22:57:51Z")\
**Posts on this page:** 1\
**Showing post:** 10

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**Author:** ![Elaine](https://avatars.discourse-cdn.com/v4/letter/e/439d5e/32.png) [@Elaine](https://forum.resolutelegal.ca/u/Elaine)\
**Post date:** [February 16, 2020, 1:01am UTC](https://forum.resolutelegal.ca/t/help-plz-denied-ltd-didnt-apply-for-cpp-d-lawsuit-now-at-12-months/2590/10 "2020-02-16T01:01:41Z")

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There are many posts like this on the forum where people discuss their litigations and how long it took them to settle. Just write words like “mediation” or “litigation” in the Search box and you’ll see a lot of posts.

You should ask your lawyer all those questions. He should know how long it all takes. He probably worked on many cases like this.

> [@Phew! Disability Insurance Litigation Finished](https://forum.resolutelegal.ca/t/phew-disability-insurance-litigation-finished/964/4):
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> > [@](#):
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> > Congratulations, that is great news. Did you have to go through mediation or things wrapped up after discovery?
> 
> Hey Jam1 - No I didn’t have to go through mediation and/or discovery. We had scheduled a meeting for last Monday for a Questioning/Discovery but over the weekend my Lawyer called me (we had met last Friday to go over what would happen in the Questioning meeting) to ask me if we wanted to just counter an offer they had made several months back (which was stupidly low and I ignored). Anyway - I agreed with the decision so instead of going thru a questioning we countered and went back and forth several times (I was not in the meeting room with them - only my lawyer was - he went back and forth from the meeting room to me in his office). The negotiation settled after about 3.5 hours. It’s not going to replace my income to 65 (11 years owing) by any means but I’m not unhappy with what I we settled for (we’ll see after legal costs, disbursements, taxes & GST). BTW - I signed a non-disclosure agreement to not talk about this (LOL).
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> > [@](#):
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> > What I’ve gone through with my insurer has exacerbated my disability and I can only feel that they’ve done this in the hopes I’ll become frustrated and give up. I have no intention of letting them off the hook at this point.
> 
> That was my attitude as well. Totally - and the stress on me was huge and showed on my followup medical exams. I actually thought that the next day after the settlement I would miraculously feel good with some of the stress relieved but to my dismay I have felt almost worse. Shouldn’t surprise me with all the things I suffer from but was still hopeful for some reprieve.
> 
> > [@](#):
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> > How long did the litigation take since you started it?
> 
> Elaine - It took me approx 11 months from start to finish. I consider that amazing. The settlement was liveable. It’s never going to cover 11 years of income replacement. More like 3. But if I don’t go into remission in the next few years I’ll have my pension to rely on.

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