I wanted to get everybody’s input on when to apply for CPPD based on my situation. I have been on LTD since Jan 2021 due to mental health issues, Bipolar/Major Depression and Paranoia. With CPPD they back pay a year which goes to the insurance company if approved so the LTD insurer definitely has incentive for me to apply in a timely manner. Should I wait for them to prompt me to apply or should I apply at the 1 year mark because it makes sense to wait a year at least to see if the medication treatments/changes and talk therapy have any success. I am worried about having to approach the LTD insurer that I am going to apply for CPPD as they may think I am being too eager to apply. Maybe I am overthinking but everybody knows who deals with a LTD insurer it is a quite stressful.