# LTD and Inheritance **URL:** \ **Category:** Disability Insurance\ **Created:** [October 30, 2025, 3:17pm UTC](https://forum.resolutelegal.ca/t/ltd-and-inheritance/5297 "2025-10-30T15:17:35Z")\ **Posts on this page:** 3\ **Page:** 1
**Author:** ![CurlyZeeebra](https://avatars.discourse-cdn.com/v4/letter/c/57b2e6/32.png) [@CurlyZeeebra](https://forum.resolutelegal.ca/u/CurlyZeeebra)\ **Post date:** [October 30, 2025, 3:17pm UTC](https://forum.resolutelegal.ca/t/ltd-and-inheritance/5297/1 "2025-10-30T15:17:35Z")
Hello; I am on SunLife LTD through my employer, as well as CPP-D. My question is:: when my mom passes, I intend to use my portion of the inheritance for my sons, so they can put it towards a down payment on a home or pay student loans off (they’re both disabled too, one has PWD (BC disability) and the other is going to school (has autism and ADHD)….both have DTC and the new CDB). When I receive the inheritance, do I need to inform my LTD company and will they offset it? If they offset, there will be nothing for my kids. It’s essentially like my mom’s estate will go to SunLife. I keep looking everywhere online but I can’t find anything. I don’t want to just give each child their portions, since that will bump my youngest over his asset limit and they will cut his PWD. I’m just trying to get them stable…they’re in their 20’s and still at home because the market is so crazy for housing right now. Also, do I need to advise CPPD of the inheritance? TIA. ---
**Author:** ![Buckets365](https://sea1.discourse-cdn.com/flex019/user_avatar/forum.resolutelegal.ca/buckets365/32/592_2.png) [@Buckets365](https://forum.resolutelegal.ca/u/Buckets365)\ **Post date:** [October 31, 2025, 1:57am UTC](https://forum.resolutelegal.ca/t/ltd-and-inheritance/5297/2 "2025-10-31T01:57:48Z")
Inheritance is NOT considered earned income by working, so neither CPP-D or LTD can touch it. I wouldn’t even bother telling them. ---
**Author:** ![David\_Brannen](https://sea1.discourse-cdn.com/flex019/user_avatar/forum.resolutelegal.ca/david_brannen/32/2_2.png) [@David\_Brannen](https://forum.resolutelegal.ca/u/David_Brannen)\ **Post date:** [November 5, 2025, 12:02am UTC](https://forum.resolutelegal.ca/t/ltd-and-inheritance/5297/3 "2025-11-05T00:02:24Z")
> [@CurlyZeeebra](#): > > When I receive the inheritance, do I need to inform my LTD company and will they offset it? If they offset, there will be nothing for my kids. It’s essentially like my mom’s estate will go to SunLife. I keep looking everywhere online but I can’t find anythin I can only speak generally, but inheritances are not deductible under LTD plans. Same for CPPD, inheritance has not effect. You can inherit millions and still qualify for LTD and CPP, but it would have impact on provincial disability benefits as you have indicated. You may want to look into a potential **Henson Trust** for one or both of your children. This is not my area of expertise but you can google it to learn more to see if such trusts would make sense to manage the inheritance assessments you want to transfer to the kids. I know you are in BC, but * * * **David Brannen** Disability Lawyer with Resolute Legal The response posted above is based on the limited factual information made available and is not intended as a full and complete response to the question. The only reliable manner to obtain complete and adequate legal advice is to consult with a lawyer, fully explain your situation, and allow the lawyer enough time to research the applicable law and facts required to give an adequate opinion. The basic information provided above is intended as a public service only, a full one-on-one discussion with a lawyer should be done before taking any any action. The information posted on this forum is available to the viewing public and is not intended to create a lawyer client relationship with any person. If you want one-on-one advice, please [click here](https://www.resolutelegal.ca/free-consultation/) to request a free consultation **or call toll free 1-877-917-7050 to speak with a member with our disability claim support team.** explains everything. They may do work outside of Ontario. * * * **David Brannen** Disability Lawyer with Resolute Legal The response posted above is based on the limited factual information made available and is not intended as a full and complete response to the question. The only reliable manner to obtain complete and adequate legal advice is to consult with a lawyer, fully explain your situation, and allow the lawyer enough time to research the applicable law and facts required to give an adequate opinion. The basic information provided above is intended as a public service only, a full one-on-one discussion with a lawyer should be done before taking any any action. The information posted on this forum is available to the viewing public and is not intended to create a lawyer client relationship with any person. If you want one-on-one advice, please [click here](https://www.resolutelegal.ca/free-consultation/) to request a free consultation **or call toll free 1-877-917-7050 to speak with a member with our disability claim support team.**