Mark, 55, has been approved for CPP Disability benefits. He also has a private disability insurance policy that pays $2,000 per month. His CPP Disability benefit is $1,600 per month. His private policy has an 'integrating' clause. What is his total monthly disability income?

Question: Mark, 55, has been approved for CPP Disability benefits. He also has a private disability insurance policy that pays $2,000 per month. His CPP Disability benefit is $1,600 per month. His private policy has an 'integrating' clause. What is his total monthly disability income?

Answer options:

• $3,600 ✅ $2,000
• $1,600
• $400

Correct answer: $2,000

Explanation: Many private disability insurance policies have an 'integrating' or 'offset' clause, which means they reduce their payout by the amount received from government plans like CPP Disability. In this case, the private policy would pay $2,000 (its full amount) - $1,600 (CPP Disability) = $400. Total monthly income is $1,600 (CPP) + $400 (private) = $2,000.