Can Your Insurance Company Make You Apply for Canada Pension Plan Disability Benefits?

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


A note from our long term disability lawyers

Taking a medical leave from work is not an easy decision to make. Concerns about providing for yourself and your family and keeping your job may cause you to want to push through your pain, but this won’t make your problems go away. Stopping work is often the smartest decision for your long term health and well-being, and your disability benefits are there to provide you with financial support until you can return to work.

If you have made the tough decision to stop working and apply for your short term disability or long term disability benefits, you may feel overwhelmed by the process and have questions that your employer and your insurance company are not able or willing to answer. Share is There to see you through and answer your questions.

Our disability law firm knows what you have been going through

We understand that things have not been easy for you over the last little while. Your health has been suffering, you are unable to work, and now your insurance company, who was supposed to be there in your time of need, has decided they will not pay your disability benefits or respect your disability claim. These benefits exist to provide you with the financial support you need so that you can focus on your health and rebuilding your life. It is unfortunate that your insurance company has not lived up to its promise. If your disability claim has been denied, we will fight to get you the benefits you are entitled to. Our disability lawyers have helped thousands of Canadians get their long term disability benefits over the past 35 years, and we can help you too.

Our experienced disability lawyers can fight back on your behalf

Share Lawyers believes that every client who is dealing with a disability claim deserves superior personal service. To achieve that goal, we have developed our team of experienced, compassionate, and caring long term disability lawyers, law clerks, and administrative staff to meet all of your needs. Our team of experienced long term disability, life insurance, employment, and critical illness insurance lawyers have made successful claims against many insurance companies, third-party administrators and employers.

If you are unable to work, your disability benefits should be there to provide you with the financial support you need. While your insurance company may be focused on finding ways to avoid paying your claim, our focus is on what is in your best interest. When Share Lawyers gets involved, you have an entire team of lawyers that are there to support you and to fight for what is yours.

Our disability claim lawyers fight for your disability insurance claim by relying on our many years of experience to apply the best strategic planning and approach in each case, using the latest technology available. Experience matters, and with Share Lawyers, you are in the best hands with 35 years of success on your side.

In this video, we explain the role of a long term disability lawyer and how we can support you when you have been denied your long term disability benefits.

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.

Related Articles

We’re here to support you during this difficult time

How can we help?