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Canada Pension Plan (CPP) Disability Benefits

If you contributed to the Canada Pension Plan (CPP) Disability Benefits plan while working and become totally disabled, you might qualify for this benefit.

If so, our claims administrator, Manulife, will require you to apply.

The advantages to you of receiving a CPP disability pension are:

  • It freezes 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.
  • If you are in receipt of CPP disability benefits at the time of your death, CPP survivor benefits will be paid at the full level as though you had been working until the date of your death.
  • The LTD Plan only offsets the primary CPP disability amount from the LTD benefit. The CPP disability benefit payable on behalf of any dependent children (secondary) is not an offset from your LTD benefit.

Learn more: Canada Pension Plan (CPP) Disability Benefits.

Please see CPP FAQ's, or should you have additional questions, please contact our Director, Claims Management, Theresa Williams.

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