Been on LTD with Sunlife for a few years. First time they requested me to apply for CPP was this November - mid month. Less than 2 weeks from getting application forms and notification that they want me to apply for CPP - my monthly LTD is already deducted almost $1000( I presume an estimate they calculated that I should receive from CPP once I apply and if I am approved. In their literature asking me to apply, they even mention that CPP may take up to 4 months to assess my application for CPP benefits. Many people speak of initial denial of CPP application and the need to file an appeal. Sunlife has stated (feels more like a threat) that even if I don’t apply for CPP they can deduct what I might recieve from CPP.
Look, I fully intend on applying and in an expeditious manner but giving me 2 weeks to apply, and get an answer from CPP - that is far to presumptuous on Sunlife’s part. My next doctor appointment is coming up in December and that is when I anticipated asking my doctor to complete his portion of the forms. I just cannot believe that they are immediately deducting so much without any notification that the deductions would start immediately. I intend to call them but want to know if you can shed any light here. Can they do this? Can they actually deduct immediately upon asking me to apply. What if I am denied… can they still deduct what CPP might have given me if I was approved?
Also, I am overwhelmed by the process. Is there a free service anywhere in Ottawa that can help me weed through the comprehension of all this process? I have read your guides and they are helpful but I am still a little lost - likely due to the cognitive impact some of my prescription drugs and condition are causing.
Much appreciated if you can shed any light here.