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I am receiving LTD. My monthly payments are non-taxable. I have recently been approved for CPPD which my LTD will offset. I’m not disputing the offset as this is a term of the LTD contract. My insurer is trying to take the gross amount of the monthly CPPD but my LTD is non-taxable which will reduce my net monthly amount to less then what was approved by LTD. There is also a retroactive amount which they want to take the gross amount. I will then have to pay income tax on the amount they take which will put me out of pocket. The LTD contract does not specify if the offset amount will net or gross.

My husband was recenylh diagnosed with Alzheimer's and receives LTD from insurance company. They want him to apply for CPPD and sent authorization form SC ISP-1606 with option 1 pre-checked (giving full access to gov files?) I am his caregiver/POA , want to change it to option 2 so insurance company only gets the financial offset data. If we submit the form with option 2 checked (which is to be returned to insurance company), can insurance company cut off or suspend LTD payments? Im terrified of a cutoff as I am caring for critically ill child. Thankyou

My LTD claim with Canada Life for disability benefits had been accepted beyond the 24-month decision point of July 10, 2026, to support the gradual return to work recommended by my provider and was extended to Aug 23, 2026. Unfortunately, my work stated that they could not accommodate the restrictions and limitations. Canda Life states beginning July 10, 2026, the definition of disability changes and I am considered disabled if, disease or injury prevents you from being gainfully employed. Gainful employment means work: 1. you are medically able to do, 2. for which you have at least the minimum qualifications, 3. that provides income of at least 50% of your pre-disability monthly earnings; and 4. that exists either in the province or territory where you worked when the disability started or where you currently live. Your plan does not consider your location in the province or if work is available. I am currently being treated for Circadian Rhythm Disruption and the gradual back to work plan entails a very gradual increase of work hours (4 hours starting at 1pm-5pm) (My regular work hours are 8am-4:30pm ) over a 12 week period. There would be monthly checks with the sleep clinic and main provider, noting it may take longer than 12 weeks to have my sleep adjust so that I can get to work for 8 am. I had notified Canada Life of intent to appeal before the cutoff date but would like to know if there is actually a chance to extend the claim (while I am still in treatment to extend my working hours), what are the chances of winning an appeal for my situation?

I have not been approved or denied. Had severe panic attack at work went to hospital as I was experiencing heart attack symptoms ekg bloodwork and xray done at hospital Was told at hospital that I had a severe panic attack and that my body was in “crisis”mode Followed up with family doctor who said I was burnt out and needed time off Thought I was taking a “vacation payout” to avoid financial constraints Went to see psychiatrist who indicated that I have depression and anxiety Have a history of fibromyalgia 37 yrs - 3 different rheumatologist diagnosis Work at co for 20 years Collected EI for max time- 26 weeks Put in claim for LTD in May with BlueCross BlueCross has not approved or denied claim as according to BlueCross my company changed carriers to BlueCross in Jan 2026 and my medical onset was Nov 28 - suggesting it should be previous carrier BlueCross still conducting “functionality testing” My company has made it very difficult for me in providing me the paper work or any answers BlueCross is stating My company has been uncooperative and not being responsive to questions Co is saying they have provided answers to Blue Cross

I've been communicating with my doctor and LTD case coordinator. My LTD insurance company is requesting a copy of my whole file. My doctor was requesting payment from them although didn't indicate now much but suggested they would need to be in contact about it. LTD keeps requesting the files and my doctor keeps requesting payment but neither are coordinating with one another or even communicating directly. I have offered to pay for the files myself and hopefully be reimbursed by LTD. My doctor refused and said he'd need to hire someone because the whole file is paper and also said there was no need for an entire file, that his assessments and written notes would be enough. I don't know what to do at this point as LTD is currently reassessing my eligibility.

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