I don’t qualify for CPP Disability as I don’t meet the definition of total disability, not even close. I do however qualify for my LTD insurance.
Now that the insurance company has my CPP declination letter, they have passed my name to a law firm that specializes in appealing CPP claims and I am waiting for this law firm to connect with me, and expect me to cooperate with them
Have you heard of this happening before? It surprises me that the insurance company on one hand feels I should go back to work as soon as possible all the while writing me a letter stating they “feel” I meet the definition of totally disabled as per the CPP guidelines.
Yeah their “feelings” are just a desire to reduce their costs. If they can’t get you off the books one way (back to work) then they’ll try to get cost-sharing with the government another way (CPPD). Just gotta do your best and jump through the hoops.
I have been one of the fortunate ones who got approved for CPPD and my insurance company just left me alone after approval, but it seems for some even a CPPD approval doesn’t always lead to an automatic continuation of LTD. LTD can get your approved for CPPD, collect the backpay and then still try to cut you off. LTD just wants backpay, reduce their costs and try to get you off claim.
Yeah, insurance companies don’t care about contradictions like this. They have agreements with advocate organizations (usually not a law firm) to appeal CPP denials on behalf of people they are paying LTD benefits. This is a process that has existed in the US for many decades and has been used in Canada for last 7 years or so.
David Brannen
Disability Lawyer with Resolute Legal
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That sucks. But it’s probably in your best interest to try and get approved for LTD, if there’s any way to do it (although, it sounds like there’s not). Makes the LTD company leave you alone more and also gives you something to fall back on if they pull the rug out from under you.
I hope the insurance company is paying the lawyers. It would be my guess that they are. The lawyers may present the same information in a different manner so as to be more favourable to your case. If you are “not even close” in qualifying for the CPPD, then they’ll deny the reconsideration/appeal. But you have to go through their steps. You say you qualify for LTD, hopefully that means LTD approved you and you have been receiving payments from them.
I understand what you mean by the apparent contradiction, but they want to cover all possibilities to reduce their payments to you as described by others here.