# Question about CPP-D offsetting LTD payment - tax? **URL:** \ **Category:** CPP Disability\ **Created:** [July 11, 2018, 10:10pm UTC](https://forum.resolutelegal.ca/t/question-about-cpp-d-offsetting-ltd-payment-tax/1426 "2018-07-11T22:10:30Z")\ **Posts on this page:** 11\ **Page:** 1
**Author:** ![Nip](https://sea1.discourse-cdn.com/flex019/user_avatar/forum.resolutelegal.ca/nip/32/57_2.png) [@Nip](https://forum.resolutelegal.ca/u/Nip)\ **Post date:** [July 11, 2018, 10:10pm UTC](https://forum.resolutelegal.ca/t/question-about-cpp-d-offsetting-ltd-payment-tax/1426/1 "2018-07-11T22:10:31Z")
I received my lump sum retro payment for CPP Disability today. There was no tax taken off. I am assuming I should simply transfer this over to my LTD insurer as such. However, going forward with monthly CPP-D payments, does it matter to my LTD insurer’s payments if I request federal tax be taken from my CPP-D first? Or should I not request that and simply set aside some funds for tax season? I assume the insurer will just subtract the gross amount before tax that I get from CPP-D from their payment? Thanks! ---
**Author:** ![jammer](https://avatars.discourse-cdn.com/v4/letter/j/df705f/32.png) [@jammer](https://forum.resolutelegal.ca/u/jammer)\ **Post date:** [July 11, 2018, 10:15pm UTC](https://forum.resolutelegal.ca/t/question-about-cpp-d-offsetting-ltd-payment-tax/1426/2 "2018-07-11T22:15:13Z")
No difference to the insurance company, they will deduct the gross amount. If it was me, I’d keep the money now and pay the tax later. Get the DTC. ---
**Author:** ![Nip](https://sea1.discourse-cdn.com/flex019/user_avatar/forum.resolutelegal.ca/nip/32/57_2.png) [@Nip](https://forum.resolutelegal.ca/u/Nip)\ **Post date:** [July 11, 2018, 11:25pm UTC](https://forum.resolutelegal.ca/t/question-about-cpp-d-offsetting-ltd-payment-tax/1426/3 "2018-07-11T23:25:00Z")
I have quite a large deduction for next year’s tax due to lawyer’s fees, so I think with that and putting a bit away that’s a decent idea. I will apply for the DTC however I’m not likely to get it as I don’t really fit one of the ‘boxes’ on the form with my condition. But I’ll give it a go, certainly. Thanks jammer! Now to get the energy to figure out my work battle. ---
**Author:** ![jammer](https://avatars.discourse-cdn.com/v4/letter/j/df705f/32.png) [@jammer](https://forum.resolutelegal.ca/u/jammer)\ **Post date:** [July 12, 2018, 1:15am UTC](https://forum.resolutelegal.ca/t/question-about-cpp-d-offsetting-ltd-payment-tax/1426/4 "2018-07-12T01:15:50Z")
I never fit it one box either but the cumulative effect of everything worked for me getting it. Describe a day-in-your-life (or week). ---
**Author:** ![mrshastri](https://avatars.discourse-cdn.com/v4/letter/m/91b2a8/32.png) [@mrshastri](https://forum.resolutelegal.ca/u/mrshastri)\ **Post date:** [July 13, 2018, 11:07pm UTC](https://forum.resolutelegal.ca/t/question-about-cpp-d-offsetting-ltd-payment-tax/1426/5 "2018-07-13T23:07:19Z")
After I signed the forms CPP-D sent the money directly to my insurer. ---
**Author:** ![Nip](https://sea1.discourse-cdn.com/flex019/user_avatar/forum.resolutelegal.ca/nip/32/57_2.png) [@Nip](https://forum.resolutelegal.ca/u/Nip)\ **Post date:** [July 14, 2018, 2:20am UTC](https://forum.resolutelegal.ca/t/question-about-cpp-d-offsetting-ltd-payment-tax/1426/6 "2018-07-14T02:20:35Z")
Yes, normally if you’re receiving LTD you fill out the permission form allowing that when you apply for CPP-D, however my LTD wasn’t approved until some time after, so that info was not yet received. I just got the retroactive amount direct deposited to my account, so I think the next thing is figuring out how to transfer this to my insurer and figure out what I need for tax purposes. ---
**Author:** ![allyoops](https://avatars.discourse-cdn.com/v4/letter/a/919ad9/32.png) [@allyoops](https://forum.resolutelegal.ca/u/allyoops)\ **Post date:** [July 17, 2018, 4:43pm UTC](https://forum.resolutelegal.ca/t/question-about-cpp-d-offsetting-ltd-payment-tax/1426/7 "2018-07-17T16:43:05Z")
Check your wording–they maybe only entitled to the net CPP-D and not the gross. ---
**Author:** ![Nip](https://sea1.discourse-cdn.com/flex019/user_avatar/forum.resolutelegal.ca/nip/32/57_2.png) [@Nip](https://forum.resolutelegal.ca/u/Nip)\ **Post date:** [July 17, 2018, 8:52pm UTC](https://forum.resolutelegal.ca/t/question-about-cpp-d-offsetting-ltd-payment-tax/1426/8 "2018-07-17T20:52:08Z")
It wouldn’t matter - the amount I received was the same net and gross. 🙂 ---
**Author:** ![BigJoe](https://sea1.discourse-cdn.com/flex019/user_avatar/forum.resolutelegal.ca/bigjoe/32/64_2.png) [@BigJoe](https://forum.resolutelegal.ca/u/BigJoe)\ **Post date:** [July 18, 2018, 7:44pm UTC](https://forum.resolutelegal.ca/t/question-about-cpp-d-offsetting-ltd-payment-tax/1426/9 "2018-07-18T19:44:30Z")
Hey Friend Now you have both payments your C.P.P is taxable So yesyou can havve money taking out monthly 100 ,200 etc Up to you .Taxes wont be much on C.P.P D Max is 1400 Maybe but on 1000 will say. A month taxes are around $100 give or take .Now your ltd is taxable if ur employer paid 100 % or any amout percentage wise …If you paid out of your check 100 you its tax free Hopee this helps? ---
**Author:** ![Nip](https://sea1.discourse-cdn.com/flex019/user_avatar/forum.resolutelegal.ca/nip/32/57_2.png) [@Nip](https://forum.resolutelegal.ca/u/Nip)\ **Post date:** [July 19, 2018, 7:00am UTC](https://forum.resolutelegal.ca/t/question-about-cpp-d-offsetting-ltd-payment-tax/1426/10 "2018-07-19T07:00:14Z")
Yes, thanks - my retro payment will go to my insurer once I am able to get in touch with them, and I can let them know to deduct the amount that CPP-D is paying from my LTD payment. ---
**Author:** ![BigJoe](https://sea1.discourse-cdn.com/flex019/user_avatar/forum.resolutelegal.ca/bigjoe/32/64_2.png) [@BigJoe](https://forum.resolutelegal.ca/u/BigJoe)\ **Post date:** [July 19, 2018, 1:37pm UTC](https://forum.resolutelegal.ca/t/question-about-cpp-d-offsetting-ltd-payment-tax/1426/11 "2018-07-19T13:37:20Z")
Oh they will do that Once you get your cpp they will deduct your payment from it Dont you worry buddy