My Ltd was approved till Dec 2027. My insurance company wants me to complete my Disability pension application to apply for this for 1 payment so the insurance company only has to pay 1 payment per month because I am aged 62 and cannot go back at this time to my job due to safety reasons. My return to work at this time is unknown. Why do I have to apply at this time for Canada disability pension? And cannot wait till Dec of 2027 to apply ?