# How do you know you have long term dis.? How can you get it **URL:** \ **Category:** General Discussion\ **Created:** [September 3, 2020, 4:44am UTC](https://forum.resolutelegal.ca/t/how-do-you-know-you-have-long-term-dis-how-can-you-get-it/2998 "2020-09-03T04:44:51Z")\ **Posts on this page:** 1\ **Showing post:** 3
**Author:** ![jammer](https://avatars.discourse-cdn.com/v4/letter/j/df705f/32.png) [@jammer](https://forum.resolutelegal.ca/u/jammer)\ **Post date:** [September 10, 2020, 4:14am UTC](https://forum.resolutelegal.ca/t/how-do-you-know-you-have-long-term-dis-how-can-you-get-it/2998/3 "2020-09-10T04:14:56Z")
> [@Mortgage renewal while on LTD](https://forum.resolutelegal.ca/t/mortgage-renewal-while-on-ltd/1995): > > Anyone renewed a mortgage yet while on LTD? Do they consider a gross-up of tax free payments to the equivalent taxable income? How does the new stress test deal with LTD payments? > [@PWD & mortgages](https://forum.resolutelegal.ca/t/pwd-mortgages/2990/2): > > I think it would be your case manager who u could ask for a letter of confirmation of income. > [@CPP Disability/LTD](https://forum.resolutelegal.ca/t/cpp-disability-ltd/2373/5): > > Hi Viva. Here’s a document you may want to read: And this one: [Dos and Don'ts: CCA for Rental Property Explained | 2022 TurboTax® Canada Tips](https://turbotax.intuit.ca/tips/dos-and-donts-cca-for-rental-property-explained-6377) If this is your first home - and you are immediately renting it after purchase - you will NOT qualify for the First Time Home Buyers Plan where you can use any RRSPs towards the down-payment. You should also get pre-approved if you require a mortgage. One other thing - due to having a pre-existing disability - it’s unlikely the bank with give you l… > [@LTD overpayment debt](https://forum.resolutelegal.ca/t/ltd-overpayment-debt/1935/3): > > I spoke to GWL representative this morning and he proposed 50,000 now and 2000 per mo till paid off. He sent it to HBT for approval. It is the maximum I can do, judging by how much my mortgage is and the work needed to make the house liveable. If HBT does not agree with this proposal, I will contact the lawyer. I am worried that if WSBC stops my claim for any reason, I will have no money to live on. I am trying to get rid of my mortgage to be safe. My CPP is 1130 and that is less than my mor… > [@Buying a home for the first time](https://forum.resolutelegal.ca/t/buying-a-home-for-the-first-time/2863/4): > > I never tried to get life insurance but it would depend on how you are disabled. It’s generally a better deal to get normal life insurance than mortgage insurance since the amount you receive doesn’t decline as you pay down your mortgage. --- _[View the full topic](https://forum.resolutelegal.ca/t/how-do-you-know-you-have-long-term-dis-how-can-you-get-it/2998)._