Articles for Non-Lawyers

My disability insurance company is telling me to apply for Canada Pension Plan disability benefits. What should I do? by Patricia Santucci

In many group benefits insurance policies, Canada Pension Plan disability benefits are offset from any amounts that the insurance company may owe to you for Long Term Disability benefits. Thus, insurance companies will often request that you apply for Canada Pension Plan disability benefits. You can apply for Canada Pension Plan disability benefits if requested to do so by your insurance company. In fact, some insurance policies may even require you to apply for Canada Pension Plan disability benefits. If you are denied Canada Pension Plan disability benefits, you are entitled to apply for Long Term Disability benefits. In fact, being denied Canada Pension Plan disability benefits does not prevent you applying for and receiving Long Term Disability benefits (unless the insurance policy states otherwise). If you have any questions about the application process for either, you may contact a lawyer for assistance. (14)

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About the Author Patricia Santucci

Patricia Santucci is a personal injury lawyer born and raised in Hamilton, Ontario. She holds several degrees having attended King’s College at the University of Western Ontario, McMaster University, earned a Master of Arts degree at the University of Windsor and an Ontario Teaching Degree from Teacher’s College as well as her Ontario Teaching Certificate. After graduating from the University of Alberta law school she was called to the bar in 2000. You can find Patricia on and LinkedIn or directly through this website

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