Nov 10, 2021 12:40AM sadiesservant wrote:
I suspect you have seen my numerous posts on related issues. I find this so darn difficult to navigate. In my case I have access to LTD but struggle to understand what will happen if I step away from work completely (I’m working slightly reduced hours now which has created its own frustrations in that I’m defined as rehab/return to work when the opposite is true). Will the oncologist support this? What does it look like when it goes from “your own occupation” to any type of work?
But with regards to CPP disability, I think you would likely be covered although it’s another gauntlet to get there. My insurer required me to apply (any money I get from CPP will go to them until I turn 65). The form was horrendous - pages and pages. They wanted a run down of every test, every appointment but I persevered. Fortunately they could get the physician reports from the insurer. One funny thing (which may be a positive sign) is they fast tracked my application. It normally takes months but they saw MBC and figured I had one foot on a banana peel even though you are supposed to have less than six months to be put to the top of the pile. I received a call from someone within days of sending in the paperwork. Of course, the irony was that she asked if I was working and then how much at which point she said I wasn’t eligible (which I had questioned the insurer about). Apparently you can only earn $5000 per year to be eligible.
The way it works though is you get what you would get if you were retirement age plus a bit extra. When you turn 65 (unlikely in my case) you revert to retirement benefits which will be less than CPP disability but you come out ahead as you will get more than you would have if you retired early.
All to say (sorry - rambling) you should just apply if you are not able to work. The only cost is time and getting your doctor to fill out the medical forms. You need to be as specific as possible about your limitations and if the turn you down, appeal. I’ve been told that they routinely turn people down on the first go although I got the sense that had I not been working I would well have been approved. We’ll see as I will need to tackle those forms again if I reach the point of stepping away from work completely.
PM me if you have any questions.