{"id":562,"date":"2017-02-01T10:37:00","date_gmt":"2017-02-01T15:37:00","guid":{"rendered":"https:\/\/cazasaikaley.com\/?post_type=news&#038;p=562"},"modified":"2020-07-09T13:33:37","modified_gmt":"2020-07-09T17:33:37","slug":"canadian-pension-plan-disability-benefits-are-not-disability-benefits-from-a-policy-of-insurance","status":"publish","type":"news","link":"https:\/\/cazasaikaley.com\/en\/news-and-blog\/canadian-pension-plan-disability-benefits-are-not-disability-benefits-from-a-policy-of-insurance\/","title":{"rendered":"Canadian Pension Plan Disability Benefits Are Not Disability Benefits From a Policy of Insurance"},"content":{"rendered":"\n<p class=\"has-text-align-left\">In a unanimous decision rendered on January 27, 2017, the Supreme Court of Canada stated that CPP disability benefits do not constitute disability benefits within the meaning of \u201cdisability benefits\u00a0<em>from a policy of insurance<\/em>\u201d pursuant to SEF 44 Endorsement.<\/p>\n\n\n\n<p>The purpose of the Endorsement is to prove excess coverage when an underinsured motorist is unable to pay the full amount of a court judgment.&nbsp; The Endorsement specifies nine sources that give rise to deductions from the amount payable by the insurer to the injured party, one of which are disability benefits from a policy of insurance.<\/p>\n\n\n\n<p>The insurer, Portage La Prairie Mutual Insurance Co. argued that such benefits included CPP disability benefits.&nbsp; The Court disagreed.&nbsp; Though the Court had stated in&nbsp;<em>Gill&nbsp;<\/em>([1973] S.C.R. 654]) that CPP disability benefits were \u201cso much the same nature as contracts of insurance\u201d that they should be deducted from a damages award.&nbsp; The Court distinguished&nbsp;<em>Gill<\/em>&nbsp;from the facts of&nbsp;<em>Sabean<\/em>.&nbsp; In&nbsp;<em>Gill<\/em>, the Court determined that CPP benefits were to be deducted from survivor death benefits from a damages award that arose from a statutory action under the&nbsp;<em>Families\u2019 Compensation Act<\/em>&nbsp;of BC.&nbsp; In&nbsp;<em>Sabean<\/em>, the Court reiterated and applied the contract interpretation principles of&nbsp;<em>Ledcor<\/em>&nbsp;to the Endorsement, i.e. deductions listed therein should be interpreted narrowly.&nbsp; &nbsp;The Court opined that, for the purposes of the Endorsement, the damages award was already determined by the Court and thus was a starting point to calculate the amount payable to the injured party.&nbsp; Since the damages award had already been calculated, there was no risk of overcompensation, which was the concern in&nbsp;<em>Gill<\/em>.<\/p>\n\n\n\n<p>The Court reaffirmed that the words of an insurance policy should be interpreted as the \u201caverage person\u201d would; for the average person a \u201cpolicy of insurance\u201d does not include a mandatory, statutory scheme such as the CPP.&nbsp; Conversely, insurers may not rely on their \u201cspecialized knowledge of the jurisprudence to advance an interpretation that goes beyond the clear words of the policy.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In a unanimous decision rendered on January 27, 2017, the Supreme Court of Canada stated that CPP disability benefits do not constitute disability benefits within the meaning of \u201cdisability benefits\u00a0from a policy of insurance\u201d pursuant to SEF 44 Endorsement. The purpose of the Endorsement is to prove excess coverage when an underinsured motorist is unable [&hellip;]<\/p>\n","protected":false},"featured_media":0,"parent":0,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"topic-category":[42],"class_list":["post-562","news","type-news","status-publish","format-standard","hentry","topic-category-case-summaries-en"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Canadian Pension Plan Disability Benefits Are Not Disability Benefits From a Policy of Insurance - Caza Saikaley<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cazasaikaley.com\/en\/news-and-blog\/canadian-pension-plan-disability-benefits-are-not-disability-benefits-from-a-policy-of-insurance\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Canadian Pension Plan Disability Benefits Are Not Disability Benefits From a Policy of Insurance - Caza Saikaley\" \/>\n<meta property=\"og:description\" content=\"In a unanimous decision rendered on January 27, 2017, the Supreme Court of Canada stated that CPP disability benefits do not constitute disability benefits within the meaning of \u201cdisability benefits\u00a0from a policy of insurance\u201d pursuant to SEF 44 Endorsement. 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