# LTD and CPP Child Rearing Provision **URL:** \ **Category:** Disability Insurance\ **Created:** [August 12, 2023, 4:38pm UTC](https://forum.resolutelegal.ca/t/ltd-and-cpp-child-rearing-provision/4104 "2023-08-12T16:38:05Z")\ **Posts on this page:** 3\ **Page:** 1
**Author:** ![Sekhmet](https://sea1.discourse-cdn.com/flex019/user_avatar/forum.resolutelegal.ca/sekhmet/32/513_2.png) [@Sekhmet](https://forum.resolutelegal.ca/u/Sekhmet)\ **Post date:** [August 12, 2023, 4:38pm UTC](https://forum.resolutelegal.ca/t/ltd-and-cpp-child-rearing-provision/4104/1 "2023-08-12T16:38:05Z")
I’ve been on LTD/CPPD since 2010. Recently I found out about the CPP child rearing provision. I raised my child alone and didn’t work for a couple of years or worked part time when she was young. I think I could receive a fairly substantial retroactive payment. I haven’t applied for the provision yet, as I’m concerned about what might happen with the LTD insurance. I don’t want the CPP extra amount to be clawed back by the insurance company and/or my future LTD insurance payments reduced. I’m planning my retirement now and only have 7 years of LTD payments left. I’m willing to wait to apply for the child rearing benefit to avoid a clawback. Would the child rearing provision money have to be clawed back? Does CPP notify the insurance company if there’s a change in my benefits? I know that when I receive a yearly increase in my CPPD it doesn’t affect my LTD amount. ---
**Author:** ![jammer](https://avatars.discourse-cdn.com/v4/letter/j/df705f/32.png) [@jammer](https://forum.resolutelegal.ca/u/jammer)\ **Post date:** [August 12, 2023, 11:34pm UTC](https://forum.resolutelegal.ca/t/ltd-and-cpp-child-rearing-provision/4104/2 "2023-08-12T23:34:47Z")
I forgot the answer but I think the child rearing payment is not clawed back by LTD. Check your policy wording. I’m pretty sure CPPD does not notify the insurance company about your payments. > **[Free Disability Case Evaluation](https://www.resolutelegal.ca/free-consultation/)** > > Need help? No idea what type of case you have or even if you have a case? The best and easiest way to find out if you or someone you care about should pursue a disability claim is to call us toll-free at (888) 732-0470 for a free consultation. ---
**Author:** ![RaptorsFan](https://avatars.discourse-cdn.com/v4/letter/r/e8c25b/32.png) [@RaptorsFan](https://forum.resolutelegal.ca/u/RaptorsFan)\ **Post date:** [August 14, 2023, 12:13am UTC](https://forum.resolutelegal.ca/t/ltd-and-cpp-child-rearing-provision/4104/3 "2023-08-14T00:13:38Z")
My child rearing provision is not clawed by LTD