Add Comment Question: I took my cpp early as i was very short of income.. Gwl has made me pay back all of the cpp i received, over 12k. They are taking 100 $ off my ltd every month. I just recently found out i can earn up to 5k a year without penalty. My last ltd pay was minus 300$ without any reason. Please tell me what my legal rights are regarding this. Answer: Most LTD policies contain provisions that allow the insurer to deduct any CPP Disability payments claimants receive. Check your specific policy to see if it has such a provision. If it has it then the insurer is entitled to deduct it. Your Comment * Your Email * Your Name * Your City Note, your name, city and email is not displayed on the website. It is used to notify you that we have approved your comment.