Do You Have a Disability Case?
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How Does the Canada Pension Plan Affect My LTD Benefits?

How Does the Canada Pension Plan Affect My LTD Benefits?

Though they can seem similar, long-term disability (LTD) benefits are not the same thing as the disability benefits that are distributed through the Canada Pension Plan (CPP). If you’re considering a disability claim, it’s important to be aware of the differences, so you have a better understanding of the application process and the resources you may be entitled to receive. So what’s the difference between LTD and CPP? Long-term disability benefits are available through Group Insurance Benefits (usually offered through your employer) or an Individual Disability Insurance...
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Should you Accept the Insurance Company’s Buyout Offer and Surrender Your Policy?

Should you Accept the Insurance Company’s Buyout Offer and Surrender ...

Buyout Offer: Should You Accept? Many disability claimants have heard or read about the following scenario: your disability insurer calls you on the phone, sends a representative to your home, or sends a letter proposing a lump-sum payment to “buyout” either the future of your disability claim, a disputed portion of unpaid past benefits, or both. In many instances a buyout can be a desirable outcome, but a disability claimant needs to understand the ramifications of such a payment, have confidence that the proposed deal makes sense, and that the proposal is...