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disability insurance ontario

Understanding Canada Pension Plan Disability Claims

The Canada Pension Plan (CPP) Disability Benefit is a government benefit paid to those individuals who are paying into CPP and require financial assistance due to inability to work as a result of a disability. The disability must be defined as severe or prolonged and must meet the requirements set out in CPP legislation in order to be approved for payment under this claim.

Who is eligible for CPP Disability Benefits?

In order to be eligible for this benefit you need to prove a few things to the government:

  • Paid the appropriate legislated amount into CPP for the minimum number of years (see legislation or talk to your lawyer as this information changes year to year);
  • Be under the age of 65;
  • Have a disability as defined by the CPP legislation. The disability must constantly meet the requirements or else benefits will cease to be paid.

When do I apply for the CPP Disability Benefit?

At the first diagnoses of severe or long-term disability that prevents you from working any job, not just the one you were previously doing, you should apply for the CPP Disability benefit. The sooner you complete your application the sooner you will be eligible to receive payments.

How do I apply for the CPP Disability Benefit?

There are many forms necessary to successfully apply for the CPP Disability benefits, and they can all be found on the government website for Service Canada. Keep in mind that to apply you will need a medical report from your doctor, or multiple doctors depending on your reason for applying. If you are unable to submit an application yourself due to your disability, someone can apply on your behalf as your authorized representative. Service Canada is always available to answer questions regarding the application process.

Is it possible to not be approved?

Yes, there is always the chance that your disability claim could not be approved and that you will not be provided with disability benefits. If this is the case you will be contacted and a Service Canada representative will explain everything to you. If your claim is wrongfully denied, Zuber Brioux can help you obtain the benefits to which you are entitled.

Do the benefits increase with the cost of living?

The CPP Disability benefits can possibly increase to reflect the changes in the Consumer Price Index. However, the benefits will not decrease should the cost of living prove to go down.

There are many factors that affect the amount you receive and the longevity of your payments. It’s best to discuss the process with a lawyer beforehand to ensure that the proper process is being implemented. If your CPP Disability claim is wrongfully denied, we can help.