In to my old thread to ask questions about retroactive CPP-D payments and insurance providers. I tried looking for other’s experiences, but they all seem to relate to LTD, not STD. And, input about notifying work about resigning.
Background: CPP approval on June 3rd, and received my first monthly payment no problem.
I was told by the CPP person that called with my approval how much my retroactive payment would be. They said that they were reaching out to my STD provider, who had about 2 weeks to respond with what, if any, STD was due back as part of my CPP-retroactive payment. If the provider didn’t respond within that time frame, I would be paid the full retroactive amount & it would be up to me to deal with STD directly with regards to back-payments owed.
My employer didn’t provide LTD, so I had STD only for the maximum allowed, 17 weeks, in 2019. ( I erred said 15 weeks initially in this thread)
I reached out to the STD provider on Jn16th, the date that I received my approval letter in the mail, showing my monthly payment. They’d been asking for a copy of said letter since November of last year ( I applied initially in August 2019, signed the “Request to Deduct and pay a one-time retroactive payment to an insurer form” last year as well.)
STD emailed me yesterday saying they got the photo of my letter & they were recalculating my STD entitlements & a letter will be sent when completed.
Under “payment information”, no CPP-retroactive payment noted in MSC account online (if it’s supposed to? I have no idea.)
Further, with my approval, I’m believe I can resign from my position at work that I’m definitely not able to go back to. I have no medical benefits to keep me on LOA for the full allowed time (36 months max, I’ve been off 19 so far), only the STD that I used up last year. Ive been paying my union dues to the union directly, in case there was any issues, or my Dr’s thought there was a chance of going back, but that seems an unnecessary expense now too.
So with that, the following questions:
When and how does the retroactive payment show up, if my benefits were approved on the 3rd, and I already received my first monthly payment on june 26? I don’t know the timeframe to expect
CPP will send a letter explaining the retroactive payment before or after it’s in my account? or does this depend on dealing with STD, assuming they have already?
IF STD is telling me they will recalculate and send me a letter, does that mean they didn’t reply in the time frame and CPP is going to send me the full retroactive payment, to then deal with STD myself? And if so, presumably I wait for STD’s letter? and write them a cheque? What if that shows up before the CPP payment?
I know every policy is different, but is it dollar for dollar for the duration of the 17 weeks? Or simply the difference in the CPP amount for each of said weeks? ie: $975 x 4 months and a prorated amount of $975 x 1 week? I can’t find anywhere the formula for STD, their member guide booklet merely stated that over payments would be deducted
Since I have no LTD, might I assume (wishful thinking?) that 15 months retroactive pay from CPP will not be wiped out with a 17wk STD repayment of $530 gross/week? I see so many people who lose the whole retroactive payment with overpayments going fully to their LTD carriers.
Do others tell their employer they’re now receiving cpp-d as part of their resignation letter? As part of their reasoning for leaving?
TIA, sorry this is so long. I tried to outline the background/questions sections for easier reading. Ive ‘goodled’ ad nauseam for similar answers, but can’t seem to find them as they relate to STD vs LTD.