# LTD cut off after expecting CPP disability application?

**URL:** <https://forum.resolutelegal.ca/t/ltd-cut-off-after-expecting-cpp-disability-application/2395>\
**Category:** Disability Insurance\
**Created:** [October 31, 2019, 8:24am UTC](https://forum.resolutelegal.ca/t/ltd-cut-off-after-expecting-cpp-disability-application/2395 "2019-10-31T08:24:29Z")\
**Posts on this page:** 4\
**Page:** 1

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**Author:** ![MarilynM](https://avatars.discourse-cdn.com/v4/letter/m/49beb7/32.png) [@MarilynM](https://forum.resolutelegal.ca/u/MarilynM)\
**Post date:** [October 31, 2019, 8:24am UTC](https://forum.resolutelegal.ca/t/ltd-cut-off-after-expecting-cpp-disability-application/2395/1 "2019-10-31T08:24:30Z")

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If my disability insurance company is requesting me to apply for CPP disability now, what is the likelihood I will be have my disability insurance benefits cut off after CPP is approved?

I still have 7 months until my ‘any employment’ 2 year mark and I do expect CPP to be approved. I have seen 6 medical professionals within 15 months (3 of the insurance company’s choosing) who all support my PTSD/depression/agoraphobia diagnosis. I am 45 years old.

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**Author:** ![jammer](https://avatars.discourse-cdn.com/v4/letter/j/df705f/32.png) [@jammer](https://forum.resolutelegal.ca/u/jammer)\
**Post date:** [October 31, 2019, 4:22pm UTC](https://forum.resolutelegal.ca/t/ltd-cut-off-after-expecting-cpp-disability-application/2395/2 "2019-10-31T16:22:55Z")

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Welcome to the forum.

> [@MarilynM](#):
>
> If my disability insurance company is requesting me to apply for CPP disability now, what is the likelihood I will be have my disability insurance benefits cut off after CPP is approved?

I don’t think it is likely but even if they do, getting CPPD strengthens your case if you have to sue.

Read all the articles on this website about applying for CPPD.

> **[CPP Disability Payments 2023: Dates, Eligibility, Amounts & More](https://www.resolutelegal.ca/cpp-disability/)**
>
> CPP disability payments 2023 guide: How much is CPP disability? CPP disability eligibility, CPP disability max, how Canada pension plan disability works & more

[https://www.resolutelegal.ca/blog/topic/cpp-disability](https://www.resolutelegal.ca/blog/topic/cpp-disability)  
Search the forum.  
Don’t be discouraged if you are denied at first, I don’t think they read some applications.  
If is harder to get if you’re under 50 but I was.  
It also takes more than 4 months to process now.

Good luck.

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**Author:** ![MarilynM](https://avatars.discourse-cdn.com/v4/letter/m/49beb7/32.png) [@MarilynM](https://forum.resolutelegal.ca/u/MarilynM)\
**Post date:** [November 1, 2019, 11:17am UTC](https://forum.resolutelegal.ca/t/ltd-cut-off-after-expecting-cpp-disability-application/2395/3 "2019-11-01T11:17:57Z")

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Thanks for that. I have lurked on this site for over a year.  
My former employer terminated the longstanding contract with the insurance company suddenly and with only 30 days notice - it just so happened in the same month I was to transition from std to ltd.  
I was also terminated from job 3 months into ltd. I am suing my former employer and it may lead to a Human Rights case.  
The caseworker I have has tried everything to have my claim disqualified despite the experts they have hired supporting my diagnosis.  
Neither of them wanted to be responsibility for my care.

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**Author:** ![jammer](https://avatars.discourse-cdn.com/v4/letter/j/df705f/32.png) [@jammer](https://forum.resolutelegal.ca/u/jammer)\
**Post date:** [November 1, 2019, 3:57pm UTC](https://forum.resolutelegal.ca/t/ltd-cut-off-after-expecting-cpp-disability-application/2395/4 "2019-11-01T15:57:02Z")

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Hang in there.  
Keep fighting.  
Best of luck.