Stored#1

Rubicon wrote:I am missing something here because I do not understand why I would want a CPPD if I am already in receipt of a 35yr CF pension (already indexed)especially if they deduct that same CPPD amount from my CF pension. In my case I am in receipt of a 35yr pension (already indexed) but am now in receipt of a 3B medical release from the Reserves as a Class A Reservist. I am NOT eligible for SISIP LTD as they deduct my CFSA pension from the SISIP LTD amount (calculated at the Class A Reserve amount) and the net sum is NEGATIVE meaning there is a ZERO amount for LTD benefits because my pension is too high. I may be eligible for vocational rehab but as a Class A Reservist my SISIP Case Manager says I had to be sick on a work day and seen a doctor that day plus I had to be diagnosed that day by a physician for the condition for which I am being released under 3B. Since I saw my family doctor on a work day I meet the first condition but the diagnosis was made by a specialist months later so I do not meet the SISIP requirement for vocational rehab benefits. These artificial requirements seem to be in place so SISIP/Manulife does not have to pay out benefits. Secondly, two of the three conditions precipitating my 3B medical release have already been denied by VAC. I have degenerative disk disease (DDD) in my neck at C-5, C-6, C-7 for which VAC has already awarded me an amount prior to retiring from the Reg Force in 2013. Subsequently, while serving as a Reservist I was diagnosed with cervical angina (false heart attacks) and occipital neuralgia (severe up-to-3-day headaches) both of which are consequential to the pinched nerve associated with my DDD. VAC has denied the two consequential conditions stating they were covered under the DDD award but they weren't even diagnosed at the time of the disability award for DDD. Lastly, and to my point, if the EXACT amount of CPPD is deducted from my 35yr CF pension (which is already indexed) why would I bother applying for something that just gets deducted anyway leaving me no further ahead. Can someone explain what the advantage is in my case as I just don't see it mathematically making sense. If my case is the exception to applying for CPPD I can accept that otherwise I just don't see the advantage. Here's the quote from the CPPD website from Trooper's link: "If your disability benefit is approved, you must pay back the retirement pension payments you received. Normally, we recover the retirement pension payments from your first disability payment." Why bother is my question. Thanks for listening.

Rubicon