Ask your question and a Long-term Disability Lawyer in Canada will answer in minutes
I have been on long term disability for approximately 20 years now. I am now 64 yrs old in July. At age 65, next July, ltd will end. At that time I will apply for CCP benefits. When I checked to see what the CPP will be, I was shocked to see that the insurance carrier for ltd had not been making CPP contributions for the entire 20 years. This of course is now having a huge impact on my CPP benefit at age 65. I questioned the carrier as to why they did not contribute to CPP, and the reply via email was as follows. The Long Term Disability benefits you are receiving are wage loss replacement. The earnings you made prior to your disability are the ones that will determine your pension. Please speak to Service Canada, they can provide you more information about the pension amounts contribution. I have not yet contacted Service Canada. My question is this. Is this true, or are they playing typical insurance company games with me? What do I do? I look forward to your advice on this matter. Thank you Steve Cormack
Generally, an insurance company unfortunately does not have an obligation to contribute to CPP on your behalf. However, as each insurance policy is different, you can review your own policy to determine if there is an obligation stated.
If you haven’t already, you can apply for CPP Disability benefits under the late application provisions now, as you may be entitled to up to 11 months in retroactive payments from CPP Disability. Otherwise, you should contact the CPP office for further pension related questions
If you haven’t already, you can apply for CPP Disability benefits under the late application provisions now, as you may be entitled to up to 11 months in retroactive payments from CPP Disability. Otherwise, you should contact the CPP office for further pension related questions