From the petition page: “…to repeal subsection 76.1(1) of the Canada Pension Plan Regulations, safeguarding disability and retirement pensions as protected contributory entitlements and restoring Canadians’ trust in the CPP.”
This is an opportunity to have your voice heard in objection to insurance companies taking money that ought to be rightfully yours and could help alleviate financial stressors for some of the most vulnerable people in our society.
Please support this petition by sending your signature.
Crazy! I was approved for LTD under my previous employer medical benefits. Once I was also approved for CPPD, the LTD reduced their payments to me by the CPPD amount.
Agreed everyone who is getting their LTD reduced every month because they were approved for CPP-D NEEDS to sign this.
If the petition leads to an actual repeal, it means no more LTD reductions because of CPP-D approval going forward, and this includes people already who have been approved years ago.
Signed! Just a heads up for those that plan on signing it, it took a few minutes before I received the email that had a link I had to click on, to validate my identity as the last step.
“I paid for tax-free disability insurance, but I ended up with a $5,000 tax bill while my insurer got reimbursed. Here’s how…”
I paid for my own Long-Term Disability (LTD) insurance, which meant my LTD benefits were supposed to be tax-free. But insurers force you to apply for CPP Disability (CPP-D). Once approved, CPP-D is taxable — so the same income I was living on suddenly became taxable.
It gets worse: CPP-D pays retroactively, so the last 1–2 years of tax-free LTD suddenly became taxable income from the past. I got stuck with a $5,000 tax bill I could never afford, while my insurance company clawed back the retroactive CPP-D payments for themselves. They were reimbursed — I was punished.
This isn’t fair. Only disabled workers face this clawback (retirees don’t), and it turns CPP into an insurer subsidy instead of a pension. That’s why this petition calls on Parliament to repeal subsection 76.1(1) of the CPP Regulations and restore fairness for Canadians with disabilities.
Thank you @jamesbrown, how upsetting to read how this has impacted your life.
There is a considerable backstory on what ought to be considered the misuse of the legislation.
The woman who originally started the petition on change dot org has created and posted a comprehensive summary through twenty-four updates.
She recently discovered the petition needs to be officially sponsored and registered on Ourcommons dot ca to be heard in the HoC.
I would post the link to the details she posted but would like to avoid any confusion on signing. The ourcommons petition has potential to have the most powerful impact.
If interested in the details, please send me a dm.
Here is the information to read about the comprehensive backstory on how insurance companies lobbied to have YOUR CPP-D monies offset and that there is a loophole in the legislation that enables them to do so, even though it was likely never the intent of the legislation.
Thank you for sharing this. I have also prepared a letter that I’m sending to my MP re: this issue. This practice is disgusting and harmful.
I’m happy to share the MP letter and will share this petition information on FB and Reddit forums. We should all be requesting family and friends to also sign!
Hey! My response at 2:16 has them
In the body of the email because it wouldn’t let me send attachments, ugh. If you still can’t find it, just send me your direct email address and I will email it to you.
“I paid for tax-free disability insurance, but I ended up with a $5,000 tax bill while my insurer got reimbursed. Here’s how…”
