# LTD Wants CPP-D reapplication after 9 years **URL:** \ **Category:** CPP Disability\ **Created:** [May 22, 2018, 4:49pm UTC](https://forum.resolutelegal.ca/t/ltd-wants-cpp-d-reapplication-after-9-years/1317 "2018-05-22T16:49:55Z")\ **Posts on this page:** 9\ **Page:** 1
**Author:** ![Bestmom](https://avatars.discourse-cdn.com/v4/letter/b/b38774/32.png) [@Bestmom](https://forum.resolutelegal.ca/u/Bestmom)\ **Post date:** [May 22, 2018, 4:49pm UTC](https://forum.resolutelegal.ca/t/ltd-wants-cpp-d-reapplication-after-9-years/1317/1 "2018-05-22T16:49:55Z")
I have been on LTD since 2004. After two failed returns to work, they requested I apply for CPP disability. I was denied in 2009. I have just received contact from a company who has been contracted to reapply on my behalf for CPP-D. I don’t want to go through this process again as I find it very stressful. Do I have an obligation to do so? ---
**Author:** ![jammer](https://avatars.discourse-cdn.com/v4/letter/j/df705f/32.png) [@jammer](https://forum.resolutelegal.ca/u/jammer)\ **Post date:** [May 22, 2018, 8:16pm UTC](https://forum.resolutelegal.ca/t/ltd-wants-cpp-d-reapplication-after-9-years/1317/2 "2018-05-22T20:16:41Z")
> [@Bestmom](#): > > I have just received contact from a company who has been contracted to reapply on my behalf for CPP-D. It sounds like they’ll do it all. No? > [@Bestmom](#): > > Do I have an obligation to do so? I think you have to do anything reasonable they ask. Do you have an “any occupation” clause in your policy? ---
**Author:** ![Bestmom](https://avatars.discourse-cdn.com/v4/letter/b/b38774/32.png) [@Bestmom](https://forum.resolutelegal.ca/u/Bestmom)\ **Post date:** [May 22, 2018, 9:30pm UTC](https://forum.resolutelegal.ca/t/ltd-wants-cpp-d-reapplication-after-9-years/1317/3 "2018-05-22T21:30:36Z")
They say they do it all. I have a “gainful occupation” clause ---
**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:** [May 23, 2018, 1:07am UTC](https://forum.resolutelegal.ca/t/ltd-wants-cpp-d-reapplication-after-9-years/1317/4 "2018-05-23T01:07:29Z")
If you did not take your CPP appeals to a final decision at the review tribunal / Pension appeals board (back in 2009), then unfortunately you probably do have an obligation (under the LTD policy) to follow the CPP appeals through to the end. If you don’t cooperate you risk them estimating and deducing the CPP disability payment amount, even though you are not getting it. * * * **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 1-877-282-5188 to speak with a member with our disability claim support team.** ---
**Author:** ![Bestmom](https://avatars.discourse-cdn.com/v4/letter/b/b38774/32.png) [@Bestmom](https://forum.resolutelegal.ca/u/Bestmom)\ **Post date:** [June 15, 2018, 6:30pm UTC](https://forum.resolutelegal.ca/t/ltd-wants-cpp-d-reapplication-after-9-years/1317/5 "2018-06-15T18:30:12Z")
You were right, David. This is exactly what they did…sent me a letter saying I have 30 days to begin the reapplication process so here I go again . ---
**Author:** ![jammer](https://avatars.discourse-cdn.com/v4/letter/j/df705f/32.png) [@jammer](https://forum.resolutelegal.ca/u/jammer)\ **Post date:** [June 15, 2018, 9:45pm UTC](https://forum.resolutelegal.ca/t/ltd-wants-cpp-d-reapplication-after-9-years/1317/6 "2018-06-15T21:45:59Z")
@David_Brannen Why would the insurance company after 9 years? ---
**Author:** ![Bestmom](https://avatars.discourse-cdn.com/v4/letter/b/b38774/32.png) [@Bestmom](https://forum.resolutelegal.ca/u/Bestmom)\ **Post date:** [June 16, 2018, 6:04pm UTC](https://forum.resolutelegal.ca/t/ltd-wants-cpp-d-reapplication-after-9-years/1317/7 "2018-06-16T18:04:51Z")
Because they don’t want to have to continue to pay if CPP-D can take over some of the payment. ---
**Author:** ![jammer](https://avatars.discourse-cdn.com/v4/letter/j/df705f/32.png) [@jammer](https://forum.resolutelegal.ca/u/jammer)\ **Post date:** [June 16, 2018, 6:21pm UTC](https://forum.resolutelegal.ca/t/ltd-wants-cpp-d-reapplication-after-9-years/1317/8 "2018-06-16T18:21:22Z")
> [@Bestmom](#): > > Because they don’t want to have to continue to pay if CPP-D can take over some of the payment. So they were ok with paying for 9 years but now they’re not. Doesn’t seem logical. ---
**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:** [June 21, 2018, 7:06pm UTC](https://forum.resolutelegal.ca/t/ltd-wants-cpp-d-reapplication-after-9-years/1317/9 "2018-06-21T19:06:45Z")
> [@jammer](#): > > Why would the insurance company after 9 years? They are looking to reduce what they pay her going forward. The retroactive payment can only go back 12 months from the date of application, so they aren’t recovering much for back payments. This is about reducing what they pay going forward. When insurers have thousands of open claims, getting them all approved for CPPD saves them a lot of money going forward. * * * **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 1-877-282-5188 to speak with a member with our disability claim support team.**