Add Comment Question: Have been on LTD just over one year and my insurance company is advising me that I must apply for CPP Disability (which may or may not be approved). Is this correct? Answer: Unfortunately, under most modern LTD policies, there are terms requiring you to apply for CPPD, yes. To be certain of what your duties are though, you can request a copy of your policy - or at least those terms - from your case manager/adjuster. 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.