CPP (D) Approved :) - Help Please?

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DukerJohn88
New Member


Date Joined Jun 2017
Total Posts : 5
   Posted 6/21/2017 11:31 AM (GMT -7)   
I am new here and I checked some old threads regarding this issue but I need some questions answered..if possible.

I just got word today that my CPP (Disability) was approved.

However, I have been receiving 75% on LTD from Manulife since May/2014. At the two year mark (expected) they had me apply back in 2016. Of course I was denied ..blah blah blah. No biggie as it was expected. Didn't hear back from Manulife for a good 6 months (Basically they (M) had said they would only contact me for an update). Then after there was a bit of a "glitch" where they didn't acknowledge the refusal for my CPP (D). In short, they were very good about it and told me to apply again and if they refused Manulife would decide where or not to go forward with the appeals process.

So, I started a whole new application as if it were the first time. Remember, the last one was refused last year but Manulife missed the appeal process and had me apply again.

So, today I received word that my CPP (D) was approved.
Now, I have a few questions.
First, CPP told me that the retro active payment goes back to June 2016. This is very strange because I was actually refused (August 2016). In any case Manulife got all the retro payments from June 2016 to this June 2017.

I see by the payment schedule that anyone on CPP gets paid June 28th. Since CPP paid Manulife June's 2017 payment does that technically mean I should not see a difference in Manulife's full payment to me this June 30? Manulife pays the last day of each month.

Also, Is it fair to say that my income will NOT change per month and that the amount the CPP payments that Manulife got are what will be deducted from my Manulife? Again, I am just concerned that my total monthly income will/will not change now that CPP is involved.

As a note, I worked for the Hospital and in our Union agreement we are allowed 75% of total income which is what I have been getting from Manulife.

To anyone who has insight on this or can re-direct my question to the right group and/or thread I would truly appreciate it.

Peace.

F27
Veteran Member


Date Joined Feb 2016
Total Posts : 874
   Posted 6/21/2017 12:08 PM (GMT -7)   
Hi DukerJohn88,

My understanding of the CPP appeals process leads me to believe that your payments should be retroactive back to the application date, not the date the application was refused. The amount that you receive from Manulife, when added with the amount you're now receiving from CPP, should be a wash.

Timing of payments is another thing. I'm assuming you're being paid in arrears, in other words your June payments come at the end of June - not the beginning. If that's the case, you might be waiting a week or so for the Manulife payment.

I wouldn't expect anything to change materially until you hit retirement age.

DukerJohn88
New Member


Date Joined Jun 2017
Total Posts : 5
   Posted 6/21/2017 12:19 PM (GMT -7)   
Thanks ever so much for responding F27!! Much appreciated.

Well, the weird thing is I applied in May (2016), hence my confusion but that's not a big deal and I can call Service Canada regarding the actual dates.

CPP gave a certain amount from June 2016 - Dec 2016 - 7 months, then a "bit" of a higher amount Jan 2017 up to and including this month. My hope is that Manulife will just pay my regular pay on June 30th and deduct CPP on July. I would also assume that CPP will not be paying me on June 28th since they already paid June 2017's payment already.

So am I to assume then that my monthly income won't change and that all this means is two parties are paying me instead of one (Manulife)??

F27
Veteran Member


Date Joined Feb 2016
Total Posts : 874
   Posted 6/21/2017 12:29 PM (GMT -7)   
My pleasure!

Your CPP will be indexed for inflation, so you can expect it to rise a little bit each year. In your circumstance though, all the increases will be offset by a decrease in your payments from Manulife.

I suspect Manulife will make sure you don't get one cent more than you're entitled to. Insurance companies are good that way. ;)

DukerJohn88
New Member


Date Joined Jun 2017
Total Posts : 5
   Posted 6/21/2017 12:31 PM (GMT -7)   
So, again I plead ignorance. CPP doesn't replace Manulife....right??
Manulife still does pay me correct?? Just now the CPP will be deducted.

F27
Veteran Member


Date Joined Feb 2016
Total Posts : 874
   Posted 6/21/2017 12:42 PM (GMT -7)   
That's correct. You're entitled to whatever disability you contracted for through Manulife. So hypothetically, if you made $4,000 a year before you were injured, then Manulife will pay you 75% of that, or $3,000. Now, if your CPP is $1,200, your new payment from Manulife will be $1,800. Taxes, if you're paying any, should be a wash too.

Like I said though, when you hit retirement age, all bets are off.

DukerJohn88
New Member


Date Joined Jun 2017
Total Posts : 5
   Posted 6/21/2017 12:53 PM (GMT -7)   
So in other words, enjoy it now until I reach 65??..LOL
Thanks a TON for your insight.
I just hope there is no bleed over from Manulife come the end of this month. I hate having to chase people for money.
I have to admit Manulfe have been absolutely amazing with me compared to other stories I have verbally heard and read about. I must be an extremely lucky and fortunate person....well, in one way I suppose.

theHTreturns...
Elite Member


Date Joined Mar 2009
Total Posts : 20044
   Posted 6/21/2017 8:09 PM (GMT -7)   
good work f27. not in your neck of the woods dj, however welcome. you got some great info, nice work f27.

DukerJohn88
New Member


Date Joined Jun 2017
Total Posts : 5
   Posted 6/28/2017 8:26 AM (GMT -7)   
I have another question.
I just received my "official" letter in the mail today stating that I am approved for CPP (D).
It states that "Please note that payment starts four months after you are deemed to have become disabled."
So, Manulife received retro payments from June 2016 - June 2017 (inclusive).
Just wondered if anyone had any insight as to this might take place and if this is the norm for everyone??
Thanking everyone again

F27
Veteran Member


Date Joined Feb 2016
Total Posts : 874
   Posted 6/28/2017 10:23 AM (GMT -7)   
Hey Duker,

How's it goin', eh?

I don't know how to answer your question but I am curious as to why you're asking it. At this point, it seems to me, you're pretty much out of the picture, as all this stuff will be worked out between CPP and Manulife.

Is there something specific about this that concerns you? Were it I, I would just sit back and focus on feeling better and leave all the paperwork BS to the people who get paid to do it. smile
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