Add Comment Question: Hi, I am on LTD and received approval for CPPD. The insurer is calculating the gross offset vs. net. However although my policy wording distinguishes between gross and net earnings in certain sections of the LTD provisions, it does not have wording that specifically states CPP disability offsets are calculated using gross amounts before tax deductions. My insurer acknowledges that the policy does not specifically state that CPPD offsets are calculated using gross amounts and that the interpretation being applied is based on industry standard practice. Can they do this? If policy is ambiguous (doesn’t specify gross or net under offsets but clearly specify that in other sections) and this is a taxable benefit that means they are deducting more than what I will actually take home. Answer: I'm going to email you about this directly. 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.