Canada Pension Plan (CPP) Disability Benefits
Canada Pension Plan (CPP) Disability Pension is a monthly pension that is paid to people who have contributed to the plan and who are disabled according to CPP legislation.
If it appears you may be eligible for CPP disability benefits, the Claims Administrator will require you apply. If your application is successful, your LTD disability benefits will be reduced by the amount of any primary CPP disability benefits you receive. The amount you receive from CPP for the children's benefit is not deducted from your LTD income.
The advantages to you of receiving a CPP disability pension are:
It places a freeze on your financial earnings as of the date of disability. This prevents CPP from establishing a record of zero or nil earnings to average into your future retirement or disability income calculation for the period you are disabled from working and not contributing to the CPP fund. Without this earning freeze your future entitlement to CPP benefits, including retirement benefits, could be adversely affected.
Additional information concerning CPP disability benefits may be found on the Government of Canada's website at Canada Pension Plan (CPP) Disability Benefits.
Please see CPP FAQ's for answers to commonly asked questions. Should you have additional questions, please contact our office.