Add Comment Question: I'm on LTD. My insurance company wants me to apply for CPP Disability so they don't have to pay me as much. I was on Ltd 6 yrs ago. Same thing . I applied for the CPP and was denied . Do I have to apply again ? Knowing I will be denied again. As they are telling me to apply again. Answer: It is likely in your best interest to apply for benefits. If you don't, the insurer may estimate how much they think CPP would pay you, and deduct your monthly benefits, especially if your last application was also ~6 years ago. I recommend speaking with one of our CPP Disability Specialists to get more information or assistance on your application. You can contact us below and we will get you connected. 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.