Thanx Joanne, yes I do not have a problem with offsets if there is no impact on overall income. In some cases like if you are earning a Forces or RCMP Pension (from a previous career) which contains a bridge benefit until you are 65 or until you receive CPPD, then this bridge benefit is lost so overall income is reduced. In my case by over $800/m. Additionally, due to any retroactivity (say 12 months), it means paying back $800 x 12 months to the Forces Pension. The plans should read to the LTD companies that offsets minus bridge benefit are the only monies available to them.