What you need to know about CPP and CPP Disability Benefits

Here is a summary from Service Canada

The Canada Pension Plan is referred to as a contributory program. What does this mean?

Virtually every Canadian contributes to the Canada Pension Plan (or the Quebec Pension Plan if you work in Quebec) on earnings from employment or self-employment between specified minimum and maximum levels. The contributions you make are recorded from the time you are 18 until you begin receiving your Canada Pension Plan pension. Generally, the contributions over this entire period determine the amount of benefits you will receive.

What other benefits can I receive from the Canada Pension Plan?

Along with the retirement pension that you will receive, you and your family are also protected against loss of income due to disability and death.

Disability Benefits

What does “disability” mean

To qualify for a disability benefit under the Canada Pension Plan (CPP), a disability must be both “severe” and “prolonged”, and it must prevent you from being able to work at any job on a regular basis.

  • Severe means that you have a mental or physical disability that regularly stops you from doing any type of substantially gainful work.
  • Prolonged means that your disability is long-term and of indefinite duration or is likely to result in death.

Both the “severe” and “prolonged” criteria must be met simultaneously at the time of application. There is no common definition of “disability” in Canada. Even if you qualify for a disability benefit under other government programs or from private insurers, you may not necessarily qualify for a CPP disability benefit.

Our medical adjudicators will determine, based on your application and supporting documentation, whether your disability is both severe and prolonged.

Canada Pension Plan pensions and benefits – Monthly and maximum payment amounts January to December 2016
Type of pension or benefit Average amount for new beneficiaries (March 2016) Maximum payment amount (2016)
Retirement pension (at age 65) $643.11 $1,092.50
Post-retirement benefit (at age 65) $13.39 $27.31
Disability benefit $934.37 $1,290.81
Survivor’s pension – younger than 65 $426.01 $593.62
Survivor’s pension – 65 and older $350.54 $655.50
Children of disabled CPP contributors $237.69 $237.69
Children of deceased CPP contributors $237.69 $237.69
Death benefit (one-time payment) $2,306.13 $2,500.00
Combined benefits
Combined survivor’s and retirement pension (at age 65) $836.06 $1,092.50
Combined survivor’s pension and disability benefit $1,073.26 $1,290.81

For a more detailed report on CPP amounts and figures, see the OAS and CPP Program Information Card (Rate Card).

See CPP Payment dates.

For more information call us at 613 266 7013

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