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Anyone on CPP disability, please help!

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Crohn's Disease
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Posted 10/2/2010 2:56 AM (GMT 0)
OK, I have a general question about CPP disability child benefit (the beneift you get if you have dependants and are qualified for CPP disability)

I got accepted for CPP disability last week, on my first try (shocked, as my uncle was denied and he's on dialysis..I thought pretty much everyone was denied the first try)..anyhow I also am on LTD insurance, who were the ones who made me apply for the CPP.

I know that my LTD company claws back 90% of my CPP disability wage , but do they claw back the child amount?

I know legally they can, but do they? Its considered the child's income such that it's not even taxable in the hands of the parent.

I put in a few calls to my case worker and left vm's but no reply yet. Just anxious as money's quite tight now with dh being unemployed and since this is retroactive since sept 09 it would be a fair sum .. also for the period I was made to go on EI sickness they wouldn't be able to claw back that period either, right?? I was on Ei sickness for the 15 weeks starting sept '09.

Thanks in advance for any insight!

(PS I am with manulife)

Posted 10/2/2010 3:10 AM (GMT 0)
My understanding is that it is not part of your income replacement, it is your child's. So no, LTD cannot deduct the child amount from your income replacement.

It is not unusual to be accepted for CPP first try. CD is considered a serious disability, and a lifelong one too. It kind of hurts to be labeled as a person with a disability, even though it is necessary in so many ways.

You should also apply for the Disability Tax Credit Certificate, if you haven't already. CRA will even go back ten years and return the money that you paid on taxes that shouldn't have. You will need the forms to be filled out by your doc.
http://www.cra-arc.gc.ca/E/pbg/tf/t2201/t2201-09e.pdf
Posted 10/2/2010 3:16 AM (GMT 0)
hi Roni, are you with manulife?
I know that it is still technically legal for them to actually claw it back bc they were taken to court and it was ruled as per current legislation uit's not illegal. However they recommended that it be made illegal and that it was not right to do.. so I really hope so but I'm trying not to count my chickens...

Re the disability amount, yes my uncle told me to apply for it, but when I read the criteria I feel like I'm not eligible, ie
I don;t need life sustaining therapy like oxygen or dialysis, and dont need help dressing myself. Do you think its' ok for me to get the disability tax credit on crohn's?
Posted 10/2/2010 3:27 AM (GMT 0)
As soon as you go on LTD you have to apply for CPP benefits. I still got the amount for my two children from CPP and when they turned 18 if they were still in school the benefit was paid to them directly under my SIN. My daughter is currently in university and is collecting this benefit.

Julia
Posted 10/2/2010 3:28 AM (GMT 0)
hi Julia,
If you don't mind, could you share if your current LTD provider is Manulife?
Thanks!
Posted 10/2/2010 3:33 AM (GMT 0)
Tara, I know of other crohnies that do qualify for the disability tax credit...the section where is asks if you have difficulties or take a longer than normal amount of time to evacuate yourself...those arn't the exact words, but pooping/peeing issues are definitely listed in the criteria of the dtc.
Posted 10/2/2010 3:37 AM (GMT 0)
well, that would be the understatement of the year. Even though I have a pouch, I still spend an inordinate amount of time in the bathroom... :(
Posted 10/2/2010 3:51 AM (GMT 0)
It's something like pb4 states.
You only have to qualify for one section for disability tax credit certificate. CDers qualify under the bowel problems/elimination section.
It is specifically for people with CD, and other bowel issues that require an inordinate amount of time to manage, and even bladder issues.
Posted 10/2/2010 3:54 AM (GMT 0)
well , I think I will give it a try..
Thanks, ladies!!!!
Posted 10/3/2010 1:42 PM (GMT 0)
Yes our group benefits were with Manulife. In Canada you are allowed to have 70% of your salary on LTD. 35% is paid to me by Manulife and 35% by CPP with the childrens CPP benefit in addition to that. I think all they claw back is 35% of what they pd you from the date you were approved by CPP. When you receive your payment from CPP (including these monies) you send it to Manulife. You will not be out of pocket for these monies. It has been 18 years since I went through this, so I am not aware of any changes.

Julia
Posted 10/4/2010 1:47 AM (GMT 0)
Wow, that's interesting! I think they calculate my beneift in a different way than that. I have been earning less than 70% of my gross income on Manulife , but since it was non taxable, it ended up being close to what I was getting paid by my employer.

I found an agreement between my union and Manulife and it looks like they claw back all disability benefit minus 10% (to account for the tax implication of the CPP Disability being taxable).. But since they don't include the child's benefit in your 70% , that sounds very promising smilewinkgrin

  Since dh was laid off, I'd had to suspend our automatic pymts to the kids' RESP's and now I will be able to start contributing again.

Another question for anyone who feels comfortable answering :)

After you are approved for CPP disability with your CD, how often are the reviews / information updates by CPP or are you just on it until..? It sounds like even though they reserve the right to ask for more info/updates, that it's far less frequent than with private insurance..and was CD and complications from CD the only cause of your disability?

Last time Manulife, after the 2 yrs (when the definition of disability changes to unable to perform ANY job) they came right out and said no one is ever apporved for that unless they're terminal?! But now I'm meeting that same definition with CPPD so I'm wondering/hoping that gets my foot in the door for Manulife to possibly agree with them

Posted 10/4/2010 3:47 AM (GMT 0)
Mine is taxable. Manulife is once/year and I think CPP is every couple of years.

Julia
Posted 12/7/2011 6:00 PM (GMT 0)
I realize this is an old post but I am at the same point as the writer above and am worried about the outcome.

I have been receiving Manulife LTD and have just been approved for CPP D.

Manulifes definition changes in a few months and I hope my CPP approval (on the first application) will help solidify that I meet the new definition of "totally disabled" so my LTD benefits continue.

Does anyone have experience with this?
Posted 12/7/2011 6:11 PM (GMT 0)
Yeah it's an old post but I for one am glad you brought it back on the first page!

I don't have any knowledge of how it will work with your Manulife, but you can call them anonymously and enquire about your concerns, they don't have to know it's you calling and they should still answer your question....if not then hopefully someone in your shoes will be able to enlighten you on their experiance with it....congrats on getting your approval from CPP!
Posted 12/7/2011 6:12 PM (GMT 0)
Chelle-E, what definition is changing?
Posted 12/12/2011 4:30 PM (GMT 0)
Chelle -e i think means the change of definition that occurs so many months after you first qualify, depending on the plan.
First stage is "unable to perform any and all functions of your job"
2nd is " unable to perform ANY job to which you are qualified by education, trade or experience". As you can see, 2nd is higher to meet

An update on me though. Manulife DID determine i was unable to perform any occupation. They dont say this and i couldnt find any stats on it..but i wouldnt be surprised if the confirm just about everyone who qualify for Cppd. And deny pretty much everyone who gets denied cppd.

Once someone has the cppd benefit its much easier to wait out/ appeal manulife. I was going to. Also its tough to deny when the definition of "severe and prolongerd" is almost identical ... And im sure that manulife only having to kick in half or so of what they were before due to reimbursement from cpp doesnt hurt, either.

Also, i did apply for the DTC and was accepted and got a bit of cash from previous years, about $4200. Not too much since my income had been so low with not working.. And it took almost a year for them to calculate,, seems theres a bunch of steps and each one takes 16 weeks. Gotta love revenue canada.
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