I’ve been on LTD (through my union’s insurance) and CPP for about 2.5 years now as a result of a brain injury. Like most brain injuries, the doctors at the time of my injury couldn’t say if I would regain normal function ever if at all. So early on I was eligible for CCP-D because my deficits prevented me from working and were of a indefinite nature and time period.
Now, I have progressed to the point where I feel I’m ready to be retrained for a different career, but I had a conservation with my rehab counselor recently and he mentioned that I am going to have to apply for CPP-D soon, OR get started very soon at my retraining. According to him, if I was going to apply for schooling while on CPP-D, it would cause a whole review of my case and potentially, clawing back of any CPP-D money I had received so far. I don’t know how I should approach this. I have been getting CPP-D for about 2 years now, and having my LTD monthly payments deducted by the amount I get from CPP-D.
Is this a common issue? Or is he trying to just trying to motivate me to get on applying for school? And, is there any harm in telling him that I’m getting CPP-D? There’s no chance I could do my old job again, and I’ve got about 30 working years ahead of me. Any advice appreciated!