It's no secret that filing a long term disability claim can be very time consuming and confusing. It might seem like your insurance company has a never-ending list of questions and demands or that your case will never be settled—but that's why it's always best to consult an experienced disability lawyer during your claim. Share Lawyers will work hard to fight for the benefits you deserve! Learn more about the Canada Pension Plan (CPP) and your insurance benefits below.

Insurance Company & CCP Disability Benefits

Your private insurance company may ask you to apply for CPP once you've filed a claim with them for benefits. While this can certainly be confusing for you as the insured, you may actually be obligated to apply for CPP as part of your group insurance policy requirements. You should always check the wording of your policy just to be sure.

Most long term disability insurance policies are intended to top up those disability benefits available to you elsewhere. As such long term disability insurance policies usually have provisions which reduce your monthly payment by benefits payable from any Workers' Compensation plan, including Workplace Safety Insurance payments, disability benefits received under any other government program, like Canada Pension Plan Disability, Ontario Disability Support Program, Employment Insurance/Sickness Benefits, etc., income from the Criminal Injuries Compensation Act wages or remuneration payable from any employer, including any statutory or common law termination and/or severance pay.

CPP Disability Should Not Affect Your Private LTD Claim

Keep in mind that the outcome of your application to CPP Disability or any other organization should not affect your private or employee long term disability claim. If you are denied CPP disability benefits, your insurer must continue to pay your benefits. If you are approved for CPP disability benefits, the monthly benefit amount will offset your monthly LTD benefit amount. This means that the amount of money you receive each month will not change; you will simply be getting the funds from more than once source

Denied your long term disability claim?

Contact Share Lawyers today and put our experience to work for you. Our 35+ years of experience can help you win your case against Canada Life, Desjardins, Manulife, RBC Insurance, Sun Life, and other insurance companies. We offer free consultations and there are no fees unless you win your case. Join us on Facebook and become a Top Fan for a chance to win each month.