Ok....so here is a doozy for you. I have been spouting off to all my friends about how much better I'm beginning to feel and that I am starting to feel like myself again....blah, blah, blah, blah, blah. I am even beginning to try to work again. I am going to sell Partylite products and so mentioned this to my vocational rehabilitation counsellor. I also asked her whether we could access retraining monies, if necessary, through the Canada Pension Plan Disability fund as I receive CPP disability income. I knew it was too good to be true. When dealing with someone with a brain injury it should be made really, REALLY clear, that there is an offset. I had been assured that this was not the case. I mean really, I have paid into two separate insurance schemes so the fact that I am drawing from both didn't present a problem for me. However, now I am advised by my adjuster, not directly but through the vocational rehabilitation counsellor, that collecting CPP disability income will put me in an overpayment situation because they (MPIC) will reduce my income replacement by the amount of CPP that I receive. So....remind me why I bothered to apply for CPP benefits again? Also perhaps explain to me why the adjuster, who knows I have a brain injury, didn't ever bother to discuss this with me... oh and if you will, can you please explain to me why it is that although I've paid into the two plans separately I am only entitled to one benefit? Just when my brain was beginning to be able to process things again I come across something that makes NO sense whatsoever to me. That would be like buying disability insurance from Great West Life and at separate policy from Aetna. If you've paid your premiums to both companies, you received TWO payments. Why not here? Anyway, that's my little rant for the day!
Hope your day was less confusing than mine!
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