Should You Apply?

For Both Long Term Disability (LTD) Benefits and Canadian Pension Plan Disability (CPPD) Benefits? YES!
Contributed by: Tony Lafazanis – Personal Injury Lawyer www.TLLawCanHelp.com

Many people are confused about the differences between LTD benefits and CPPD benefits and how it applies to their particular situation. You may even be instructed by your LTD insurer to apply for CPPD and be left wondering whether you should, or must, apply.

What are the Differences?
LTD insurance is either provided to an employee in their group benefit plan or purchased privately by an individual.  There is a 2 year time limit to sue the LTD insurer from the date benefits should have been paid.

CPPD is the largest long term disability insurance program in Canada administered by the Federal Government.  If your CPPD is denied, you can request a review. This must be done in writing within 90 days of receiving your decision letter.
LTD and CPPD both are intended to protect or replace your earnings when a disability prevents you from working. A disability can be caused by anything. Included are an accident, illness, sickness, physical or mental health symptoms.

How Do CPPD and LTD Work Together?
LTD insurers often require you to also apply for CPPD, to try to reduce or eliminate the amount they must pay out. This is because LTD providers generally create their contracts, such that an injured worker’s benefits are decreased by any amount paid by CPPD.  For example, if your LTD claim is approved for $2,000 a month, and you are also approved for CPPD for $1,000 a month, you will not receive a total of $3,000.  Your actual total monthly benefits will remain at $2,000 – your monthly LTD obligation amount would decrease according to a mathematical formula.

If your CPPD application is denied, an LTD provider cannot reduce the LTD benefit by an estimated CPPD because you did not receive it.

To learn more about LTD and CPPD, check out the full article on our website.

If you feel that you or a loved one has been wrongfully denied an LTD or CPPD claim, please contact Tony Lafazanis. Don’t take risks with the insurer or the Court system.  Time limits apply.  Let Tony fight for you!

Hiring Tony Lafazanis is risk free. There is no legal bill to pay, if there is no settlement.
 

TwitterGoogle+FacebookLinkedInDiggStumbleUponBlogger PostDeliciousShare

Other News

gallery-arcturus

Gallery Arcturus Cover

Ed Drass is a former writer for daily newspapers who now acts as guide for   visitors to Gallery Arcturus, a not-for-profit contemporary art exhibition centre funded and operated by The Foundation for … [Read More...]

PSN22-aug-cover

Hello Readers

Coming out of the summer, our September edition can always be a toss-up. We usually feature all the Cabbagetown festival stuff...but the Bia has something exciting planned. We received some great … [Read More...]

duncin-fremlin-gordon-sinclair

(no title)

Maybe it’s because I’m the son of a man born in 1906, shortly after Queen Victoria died.  Dad was sired out of a mixed marriage between a Scot from Inverness and an Anglo from Kent.  There’s something … [Read More...]

ward11-university-rosedale

Why Not Pete Lovering?

Contributed by Pete Lovering , PSN Publisher and now officially a politician. Although many people have suggested I run in the Toronto Centre over the years, I have decided to throw my hat in the ring … [Read More...]

rogerandco

Fall Find – Rogers & Company

Contributed by David Lavictoire, Brand Associate, Rogers & Company  The days might be starting to shorten, but it’s still too early to break out the parkas! Celebrate the end of summer with these … [Read More...]

wallied

Sunday in the Park – August 14th

Contributed by Walied Khogali Ali, Co-Chair - Community Building Working Group - SDP. On Sunday, August 14th 2022 - thousands of residents attended the beloved community celebration known as Sunday in … [Read More...]

parkscape-3

If it Sounds Too Good to be True

Contributed by Virginia Gallop, Executive Director, Cabbagetown BIA. Photo credit Marion Voysey Photography. We all know that old adage, and how rarely does it ever fail to be the case. I’m not … [Read More...]

Conciliabule Berkeley1

GETTING TO KNOW YOU

Cabbagetown is a neighbourhood of beauty, heritage, cultural diversity and inclusion. We are Anita Bostok and Norman Hathaway and we’re proud to contribute this regular feature where you get to know … [Read More...]

Tony-Lafazanis

Suing A Loved one

Contributed by Tony Lafazanis www.TLLawCanHelp.com In Ontario, there seems to be a taboo about bringing a legal claim against a loved one. Litigation is seen as conflict, so bringing a claim against … [Read More...]

daycare-training

Daycare Connection

Partnering with Caregivers and Families to Provide Access to the Canada-Wide National Childcare Plan.  At Daycare Connection one of the comments we hear is how challenging navigating the childcare … [Read More...]

don-vlley-art-club

Nice to get feedback

Hi Peter, Although my email to you has been slow in getting out, the tardiness does not reflect our immense gratitude to you and the Parliament Street News. We appreciate your willingness to work … [Read More...]

fatoush1

Getting To Know you

Cabbagetown is a neighbourhood of beauty, heritage, cultural diversity and inclusion. We are Anita Bostok and Norman Hathaway and we’re proud to contribute this regular feature where you get to know … [Read More...]

cabbagetown-farmers-market

Cabbagetown Farmers Market

Contributed by Ellie Ruggles, Market Manager, Cabbagetown Farmers’ Market. - Mark your calendars! The first market day for the Cabbagetown Farmers’ Market will be Tuesday June 14 from 3pm – 7pm, rain … [Read More...]