Programs and Services
Canada Pension Plan Disability
Brematson can represent you at any time throughout the CPP-D process
- CPP-D is a benefit. It generates a monthly income. It is administered by Service Canada. The Canada Pension Plan is like any other pension or insurance plan in that one has to have paid into the plan in order to receive benefits.
- You must be under 65 years of age. To apply for the benefit
- If you have taken your CPP early you can apply for CPP-D but must do so within 15 months of applying for your Canada Pension.
- You must have a severe and prolonged disability that prevents you from working at any job. The disability can be physical or mental.
- Severe and prolonged means that the impairment will exist an indeterminate period of time.
- If you do improve to the point where you can return to work you may do so but it will affect your benefits depending on if your return to work is part time or full time.
- It is retroactive up to 15 months. Retroactive time period may be longer in an appealed claim. It can then be retroactive to the date of the application
- CPP- Disability benefits are linked or affect private disability insurance, Workers’ Compensation, and Provincial Social Assistance
- After 26 weeks of Service Canada receiving the application, you can be denied due to the medical adjudicator sees that your application does not meet the criteria for eligibility
- You can ask for a reconsideration within 90 days to explain your case and why your medical condition meets the criteria to quality – at this point you may submit further medical information
- If the reconsideration is denied, there is a chance to present and state your case one last time
- You can meet the judges face to face to finalize the decision of your eligibility
- 90 days to submit your request for appeal.
- There is a 1.5 year waiting period for a hearing
Social Security Tribunal Representation
- Brematson will attend and represent you in the hearing (along with a potential witness to testify)
- We use our knowledge of the CPP-D legislation to solidify your case
Disability Tax Credit
- To be eligible for the DTC you must have a disability (mental or physical) disability that has lasted at least 12 months.
- You do not have to have a disability in all of the categories listed in the application form
- Inability to work is not considered, what is important is how the impairment affects you on a day to day basis
- There is no age limit. Any person with a disability (PWD) including children as well as seniors may apply.
- The Disability Tax Credit requires taxable income to generate a tax refund
- Because the tax credit is calculated based on taxable income the amount of the credit can vary from person to person
- The DTC can be transferred to a spouse or blood relative.
- There is no survivor benefit, however the credit can be claimed for a deceased PWD with the tax refund sent to the executor of the will
- You can reapply but new information is required
- You can ask for a reconsideration
- You must submit your appeal within 90 days of the letter of determination
- We can submit an official appeal with additional doctor information
- If you are still denied, you can take your case to tax court
Child Disability Benefit
- Attached to the DTC for children under the age of 18
- Paid on a monthly basis to the parent or guardian who is already eligible for the Child Tax Benefit
- Based on the family income
Income Replacement Denials/Reinstatement
When you are not able to work, it can be very overwhelming. When your income replacement benefits (group insurance LTD, MPI or WCB) are declined or terminated it can leave you feeling like you do not know where to turn or what to do. This can become more complex if you were caring for others, financially or providing emotional support, you may feel overwhelmed and exhausted. That is where we come in. Let Brematson Disability Advocates help you navigate through getting your benefits approved or reinstated.
Group Insurance Long Term Disability:
When you are dealing with a chronic illness, injury or disease, your resources to cope are depleted and we understand. When it feels like you are all alone; we are here. It is an emotional upheaval when you are isolated from your regular routine of work due to a disability and then money you were counting on from your group insurance LTD is not paid to you. Fear, anger and anxiety set in as you try to figure out how to pay bills. When finding a solution starts to feel impossible, turn to us and let us navigate through your appeal for you. We have decades of group insurance experience. We have passion for the work we do and we are committed to resolving your claim, so you can focus on your health, medical appointments and your family.
Did you know…. Often most group insurance contracts have a Life Waiver of Premium Benefit, this means that the monthly premium for your group life insurance is waived and the coverage maintained while you are receiving LTD. If your LTD claim is declined or terminated, this is another reason to appeal the decision.
Manitoba Public Insurance (MPI) or other auto benefits
When you have been injured in a motor vehicle accident, it becomes a blur of appointments; figuring out alternate transportation and repairs if your vehicle was damaged, as well as trying to focus on your health and injuries. When your income replacement benefits/PIPP are terminated, it is very upsetting thinking about returning to work when you are still in significant pain, or just do not yet have the strength, to walk or lift or stand to do your job. It can increase anxiety about re-injury, and also about failing at your pre-accident job. This situation becomes more complicated when your employer is expecting you to return to work, but you are not feeling ready. You are not alone, we are here to help you get the income replacement benefits in order to reach your full medical recovery which could include a rehab plan. We have significant experience, and we are passionate about what we do, let us handle your appeal so you can focus on your health, medical appointments and your family.
Workers Compensation Board (WCB)
In the Province of Manitoba, there was an amendment to the Workers Compensation Act (WCA) that included an assumption for workers diagnosed with PTSD (post-traumatic stress disorder), the diagnosis must be made on or after January 1, 2016 by a physician or psychologist. Many professions including police officers, firefighters, other first responders, healthcare professionals, and mental health practitioners are faced with unknown situations resulting in repeated trauma on a daily basis. Other workers involved with children, youth and within the community may also face traumatic events during their workdays. If you have been diagnosed with PTSD and denied WCB benefits, contact us, we can help. Recognizing a mental health issue can be difficult to grasp, explain and understand. Reaching out for help or filing a WCB claim can be a tremendous first step, but when your claim is denied, it can leave you feeling uncertain, confused, angry and possibly anxious or depressed. The frustration can affect your personal relationships with your spouse and family because your ability to cope in healthy ways may be diminished. We are mental health professionals, we appreciate your situation. We will continue to pursue your claim and be there for compassionate support; we are committed to focusing on what needs to be done, so you can get treatment and focus on your health, family and being able to live your life.