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

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!

Your private insurance company may ask you to apply for Canada Pension Plan Disability benefits (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.

Keep in mind that the outcome of your application to CPP Disability or any other organization should not affect your private 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.

Has your long-term disability claim been denied? Contact Share Lawyers and put our experience to work for you. We offer free consultations and there are no fees unless we win your case.

We have recently settled cases against Equitable Life, Humania Assurance, Prudential, Industrial Alliance, and State Farm

Find out if you have a Disability Case.