I recently received my cppd application approval but I can't find anyone to further discuss the details stated on my approval letter. I have a few questions, although my main misunderstanding is in regards to my retrospective amount, where that amount is going and why.. I appreciate your time reviewing my question and look forward to hearing back, Thanks!

Typically, retroactive payments do go to the LTD insurer, and then your LTD insurer will get a credit for what CPPD pays you on a monthly basis going forward. For example, if you're receiving $2,000 from LTD and are approved $1,000 from CPPD, your insurer would then pay you $1,000 for LTD and the other $1,000 comes from CPPD.
Also, if you haven't already, you can apply for the disability tax credit to help with the tax implications of CPPD.
If you have further questions, please reach out to our disability specialist, Rebecca, at rebecca.permis@stlawyers.ca and she can help.