What is CPP disability?
The Canada Pension Plan (CPP) disability benefit is a taxable monthly benefit for eligible CPP contributors whose disability meets the federal definition and prevents them from working regularly. It is administered by Service Canada.
Who may qualify?
To qualify, applicants generally must be between 18 and 65, have a severe and prolonged disability that regularly prevents substantially gainful work, and meet CPP contribution requirements. There are contribution-related provisions that may affect some applicants, including certain child-rearing, late-applicant, or international work situations.
How the application works
- Review the eligibility rules and consider your CPP contribution history.
- Submit the CPP disability application through My Service Canada Account or the available paper process.
- Complete and submit the required medical information after the application step.
- Keep copies of documents and records of calls or correspondence.
Service Canada recommends applying as soon as you develop a severe and prolonged disability that prevents you from working regularly. The date an application is received can affect when a benefit may begin.
If your application is refused
Read the decision letter carefully. It explains the result and the steps and time limits for asking Service Canada to reconsider the decision. Follow the instructions in the letter and seek qualified help if needed.