Before I describe my issue, I will briefly describe my situation: I have been on LTD for 9 years, and earlier this year I qualified for CPP. I have been in possession of the CPP RETROACTIVE lump sum for months now.
Last week, I received my monthly LTD payment for the month of September: it was less than half the expected amount.
NOTE: this reduction is in ADDITION to the normal CPP OFFSET. In other words, I received less than half of (full LTD -CPP OFFSET)
I have already contacted my insurer, informing them that I received less than half the expected monthly amount.
There is a strong chance that this is related to the lump sum repayment. For months now, I have been asking them to provide
1- A FULL BREAKDOWN OF THE AMOUNT TO REPAY and 2- A MODALITY OF REPAYMENT. They have not replied.
My guess is that this is their way to avoid providing any breakdown of the lump sum. (It would be too complicated to explain why I believe they do not wish to provide a full breakdown of the lump sum, but this is related to the previous threads I opened in this forum)
Can they do this without my consent? What are my options?