Health Insurance Issues
August 24, 2011 - 9:40pm
Yay! Canada Disability Pension approved
Yay, was approved by Canada Pension today! 
It was about a 5 month process and I was approved first time around. They said it was pretty obvious, cut and dry, and I have one of the thinnest files they've seen.
So this means I will be covered by the Federal government for their max allowable to age 65, and LTD through work will top up the rest because my LTD income is more than the maximum allowable through CPP. Basically in the end I must get the same amount of income as I am presently getting on LTD.
So, I am relatively young (40s) with 13 years of university education, which goes to show you that there is hope for younger professional 
people.
Woooooot!
_____________
"Two men looking through prison bars, one sees the mud, one sees the stars" - Frederick Langbridge
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Very happy for you. I know CPP Disability said my application and the Dr. was very thorough plus you must have sent in all your test results and consults right. I have the same LTD also and it remains the same to except LTD made me apply for my work pension early also but I chose to get free accrual to my old age pension instead. Anyways so glad to have that taken care of. Celebrate!
Charry
Any answers I have is not medical advice only a Doctor can help you with that. Just sharing my personal experience as a fellow Spine Health member only. DDD of lumbar spine with sciatica to left hip,leg and foot. L4-L5 posterior disc bulge with prominent facets, L5-S1 prominent facets with a posterior osteocartilaginous bar. Mild bilateral foraminal narrowing Neck-reverse Lordosis of c-spine C6-C7 with impingement, numb hand and sore outer elbow. Keep the faith.
thanks so much for your response charry, i appreciate it. since i had surgery in 2005 and 2008 my doc gave me everything from her file from 2005 on, which included mri results, xray results, ct scan results, bloodwork results, and letters and consults from every member of my pain management team as assigned by work insurance (psychologist, physiotherapist, occupational therapist, physician), plus consults from all members of 6-week fulltime program i took in pain management through the hospital. there was also a letter/consult from all of my doctors in see in the community (ortho surgeon, neurologist, pain management doc, psychiatrist, psychologist, oral surgeon). last but not least was letter from my gp. she was very, very thorough. she was awesome! this hasn't really hit me yet ... i am going to start the process of retiring on medical grounds through work, but will take a lump sum.
"Two men looking through prison bars, one sees the mud, one sees the stars" - Frederick Langbridge
Being in the US, I don't know your system, but Congrats!!! I retired under disability from my federal government job/career (a bit different, but the end all is the same?). I am in constant change, so I keep em guessing I guess! (G)
Congrats to you woman!!! I *know* stress levels for sure came down!
Brenda
ACDF C5/6 2/08 - C6/7 8/09 - Neuropathy right arm and both legs - Cervical Myelopathy
10-11-11 PCF C4-T2 - C4-C7 Lamies; Surgery #2 Emergent removal large Hematoma!
L2/3/4 & L5/S1 fusions and Laminectomy on hold till neck fused.
For the full "Cliff Notes" please click my name!
"Life can knock us down, but we can choose whether or not to get up!!"
hi brenda, thanks for poppin' in to my thread and posting. yup, CPP is the Canadian equivalent of disability as defined by the federal government. i worked for the federal government so i have LTD trough work's insurance plan, plus CPP from feds i think is same as SSDI.
"Two men looking through prison bars, one sees the mud, one sees the stars" - Frederick Langbridge
Thanks very much for the co-country comparison, as I learned something today. I do know that Canada, and the US are pretty similar in a lot of ways, but disability and such....folks like you confirm to me, we are again close, as we should be!!!
My Federal disability retirement isn't called LTD, but in its odd way, it might have well been! My SSD is internal to my retirement as well, so that takes a bit of the edge off. Nice to see Canada and the US (using different wording of course) are very similar in how they work with their citizens on the disability side of the house!!! Thanks for adding to my knowledge, it is appreciated!!! *HUG*
Brenda
ACDF C5/6 2/08 - C6/7 8/09 - Neuropathy right arm and both legs - Cervical Myelopathy
10-11-11 PCF C4-T2 - C4-C7 Lamies; Surgery #2 Emergent removal large Hematoma!
L2/3/4 & L5/S1 fusions and Laminectomy on hold till neck fused.
For the full "Cliff Notes" please click my name!
"Life can knock us down, but we can choose whether or not to get up!!"
Congrats Ruth!! My application is still up there, but hopefully I will hear back in the next couple of months! Our LTD thru the military tops us up to 75% of what our pay was when we are medically released, after CPP, military pension, VA pensions are taken into account, but every little bit helps, and having that extra security til the old age pension kicks in is nice. So happy that you got approved!!
Kelly
I am a PROUD CANADIAN soldier But NOT a doctor, my thoughts are my own
Congrats Ruth on your CPP! What a relief it must be to know that you have this money coming in.
I think that this route may unfortunately be in my future as well. Glad to see that there is hope, as I am only 40 as well.
Such a load off of your shoulders, I am sure.
back injury May 2010
DDD,abutment both l5 nerve roots and s1 nerve root.herniated disc L5/S1 bulging discs L3-L5,osteophytes,degenerative facets,stenosis and coccydynia
discectomy/laminectomy L4/L5 L5/S1 July 2011- unsuccessful
ADR L5/S1 February 6 2012
Hi; and just wanna wish you "congrats" on getting approved for CCP.
I know what a relief that is, so now hoping you can relax and enjoy it for a little while.
Jim
thanks everyone, i appreciate your kind words and wishes. it is absolutely amazing how much less stress i am feeling already. i really hope all your applications come through in your favour. it's bad enough having chronic pain, let alone have to worry about your financial state of affairs.
"Two men looking through prison bars, one sees the mud, one sees the stars" - Frederick Langbridge
Yes, applying for government-provided Disability is very stressful
. My prayers go to every one of you who has been going through that wringer. Love 'n 
, Ess
essmoe29
Babyruth, I clean forgot to say Congrats.
, Ess
essmoe29
I just received my letter that they received my application! (geez, that took long enough, I only sent it a couple of months ago, lol). I hope that I have a similar experience as yours with it!!
Kelly
I am a PROUD CANADIAN soldier But NOT a doctor, my thoughts are my own
I just got my back pay cheque, just in time for christmas! They approved me effective last May. Now I just have to call my ltd provider to get that sorted out before they take it all back, lol.
Kelly
I am a PROUD CANADIAN soldier But NOT a doctor, my thoughts are my own