Hey everyone. I have been on LTD since Aug 2023. My 2 years is coming up and LTD called to tell me I have been approved for the next level disability and that I need to apply for CPPD. I told my case manager I am still hoping to return to work but she said not at this time. I was very confused as I was still
hoping to return to work once the LTD had run out. I voiced this and had many questions however she was very dismissive and was trying to get off the phone without answering any of my questions. Can I just tell my doctor that I want to return to work ? I do not want to be on disability long term and was hoping to go back once my LTD was over. Also I don’t think my doctor would fill out the CPPD application as some of my symptoms have improved but some are still there. I was hoping to continue treatment and try to return this summer but they have stopped all treatments and therapies I was doing. Any advice and or what to do? Thanks
Review your LTD benefits to understand how the details work. Work with your doctor to see if they agree that you are well enough to attempt a return to work and to prepare a return to work plan (usually it involves a graduated return to work, increasing the hours and days of work over several weeks). If your doctor thinks there is no reasonable prospect of success, ask your doctor why. Coordinate with your employer to attempt it if it’s a go.
If the return to work fails within a few months, there will probably be a section in your LTD policy that lets you reactivate your previous LTD claim.
I would definitely attempt it if there’s any chance of success, being unable to work sucks for so many reasons. I clung to my job, which I loved, for months after it was clear that it was impossible and I wasn’t going to improve much. If it’s impossible for you that will be more evidence to support your CPPD application.
Good luck, and I hope you are successful!
Caro gives solid advice to follow.
My situation was similar to yours. I didn’t feel like I was CPP-D eligible and neither did my doctor. I strongly felt like it was just a matter of time before I’m able to return to work.
My insurance company said that without a denial letter from CPP (after I was off work for 2 years) they could reasonably and contractually start estimating and deducting CPP-D payments from my LTD payments. So to avoid that my doctor and I filed out the CPP-D application forms. I spent 30 minutes on it and my doctor spent even less time and just dumped my entire medical file into the application. 12 months later I was shocked to find out I was approved. Now I get to pay almost 50% tax on the CPP-D because of all my passive/rental income along with the deduction from my LTD payments.
I’d have your doctor fill the forms even if they thinks you won’t get approved. If your doctor will not fiill out the forms at the very least have your doctor write a letter stating that they do not believe you are eligible for CPP-D and why to try prevent your insurer from estimating CPP-D and reducing your LTD payments.
EDIT: forgot to add, basically your LTD is ONLY over when are able to return to gainful work or turn 65.
How does that work?I was told by insurance and cppd that i can rent out space in my home without being deducted as it is considered passive income?
Your LTD insurance is governed by the terms in your specific LTD contract. My insurance only deducts for profit/wage from doing actual work, therefore my LTD can not deduct for passive income. So many claims managers get this wrong. Most LTD insurance can’t deduct passive income.
CPP-D has no problem with you making rental income. I specifically asked them this when I got the call that I was approved.
Because they are people?
Same reason landlords get car accident repairs covered by insurance. It’s pretty easy to understand if you’d just put a tiny bit of thought into it.
My guess is that his other income helped put him into a higher tax bracket and maybe his LTD benefit was non taxable. Now he has to pay taxes on CPPD portion. The insurer likely deducted the CPPD only, not the other income. But given CPPD is taxable, he has less money in his pocket at the end of the day.
Yes, you are 100% correct.
For sure.
I was 49 when I got CPPD.