Are you unable to work because of an injury or long-term disability? You might be eligible to apply for the Canada Pension Plan disability benefits that provide income replacement for those who are suffering from a severe or prolonged disability. To find out if you are eligible and how you can make a CPP claim, read on.

Who is Eligible?

Not everyone will meet the requirements to receive disability benefits. To be eligible, you must be under the age of 65 and be suffering from a severe or prolonged disability where you are unable to do any substantial work, including part-time work.

A claimant must also meet minimal CPP contribution requirements, where they have contributed to the Canada Pension Plan in 4 of the last 6 years, or 3 of the 6 six years if they have contributed to their CPP for at least 25 years. Some exemptions to this rule may be considered. For instance, if you have been out of work to raise children or unable to apply due to mental or physical disability.

How Much Income Can I Receive?

The specific amount will depend on how much you contributed to the CPP. In 2020, the minimum monthly benefit payment was $505.79 and the maximum was $1387.66. 

Can I Still Work with the CPP Benefit?

Yes, but you must ensure that you are not earning more than the amount allowed. CPP disability benefits are designed to replace employment income during the duration you are unable to work full-time. Volunteer work or paid work up to $5,800 in 2020 before taxes will not result in a loss of the CPP disability benefits. 

How Can I Apply?

Before you apply, it’s best to discuss your situation with an accident and injury lawyer. A lawyer will make sure that you have gathered all the relevant paperwork and evidence required. They will also help you navigate through the process on your behalf to increase your chances of approval. When applicable, they will file a lawsuit or work to obtain a settlement if your disability is the result of an accident or injury caused by someone else’s negligence.  

What Happens if I’m Denied?

This is another good reason to speak with a lawyer first. They will make sure your claim is properly processed and will navigate the process on your behalf. If a letter of denial is received, they will make an appeal and fight for your rights.

If you need to make a CPP disability claim or have received a letter of denial, call our team at Zuber Brioux.