Canada Pension Plan Disability (CPPD)

CPP Disability (CPPD) is a program in Canada that provides monthly payments to people who are unable to work because of a serious disability. It's part of the Canada Pension Plan (CPP) and is meant to help those who can't earn a regular income due to their health condition.

Key Points About CPP Disability (CPPD):

  1. Who Can Get CPPD?

    • You must have a serious and long-term disability that stops you from working at any job.

    • You need to have worked and paid into the Canada Pension Plan (CPP) for a certain number of years (at least 4 out of the last 6 years, or 25 years of CPP contributions with 3 out of the last 6 years).

    • Your condition must be severe and prolonged, meaning it is likely permanent or expected to last a long time.

  2. How Much Will You Get?

    • The amount you receive depends on how much you’ve contributed to CPP over the years. There’s a basic monthly amount, plus an extra based on your contributions.

    • The payment is taxable, and there’s a maximum amount you can receive each year.

  3. How Do You Apply?

    • To apply, you need to fill out forms and provide medical information about your disability.

    • A doctor must complete a medical report that shows how your condition affects your ability to work.

    • It can take several months for your application to be reviewed.

  4. Can You Work While on CPPD?

    • You generally cannot work and receive CPPD benefits. However, there are programs like the Return to Work Program that allow you to try going back to work without immediately losing your benefits.

  5. Other Benefits

    • If you have children under 18, or between 18 and 25 and in full-time school, they may be eligible for additional children’s benefits.

  6. What Happens When You Turn 65?

    • CPPD benefits stop when you turn 65, but at that point, you start receiving CPP retirement benefits.

Summary:

CPP Disability provides financial help for people who have a severe disability and can no longer work. You need to have worked and paid into the CPP system, and you’ll need medical proof of your disability. The amount you receive is based on how much you’ve contributed to CPP over the years.