I am being covered by CPPD and by Private Insurance from the Union I was working for. After being approved for LTD by my private insurance company I was told that I to apply for CPPD. After being approved for CPPD I was excited that I was going to be receiving another $1300 / Month on top of the $2600 / Month I was already receiving. I soon found in out that the $1300 from Revenue Canada was approved for meant that the Private Insurance Company (Manulife) was reducing $1300 from the $2600 they were paying me.
My question is why is Manulife getting the $1300 /Month payment that I was approved for? Especially since I payed in thousands of dollars a year to the Canadian Government for CPPD coverage incase I was unable to work due to an illness?.
Second Question is why was Manulife entitled to the Retro Active payment of $20000 I received that I had to pay to Manulife after they told me that I was not entitled to it? They said in my Union Agreement it stated that Manulife was entitled to all money I received in the future including payments from the Canadian Government for coverage incase I became sick and unable to work. Is this normal and has anyone else had to experience this? I feel like they taking this money from me Illegally?
Ryan Mulligan