Add Comment Question: Why does LTD take your backpack from CPPD and are they allowed to? Answer: Under most modern LTD policies, the insurer is entitled to an offset for what you receive from CPPD, if they're both being paid for the same period/month. That said, you could ask your case-manager for a copy of your policy, or a copy of the term he's relying on in claiming the offset/clawback to confirm if this term does in fact exist in your specific policy. If you're cut-off LTD for any reason, please let us know right away so that we can arrange a free consultation with a lawyer for you. 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.