It’s in your insurers best interest and yours, of course, that you get approved for cpp-d.
I would wonder why they ask some people to apply so early and some much later into the ltd. Is there any chance that your health is unlikely to improve in the nearest future? Then do you have a higher probability to be approved for cpp-d?
My case manager requested any possible medical record and other information on me before asking to apply for cpp-d. There was a lot of hesitation. It makes me think that there was hope I would go back to work soon. But now they have to ask otherwise they won’t get back their 12 month of retroactive payments.
The plan information I found online says that if “you don’t apply for a benefit for which you are ELIGIBLE then the insurer can estimate that benefit and take it out of your payments”.
You can always call your case manager and discuss the options. See if they can let you apply later. Of course, assuming that they care.