CPP Disability Benefits: Who is Eligible?

 The Canada Pension Plan is among the many social programs operated by the Canadian government to ensure the well-being of its people. This plan is mandated by the government to be set up by all employers in Canada. A specified amount from the salary is deducted, which is stored for when the worker turns 65. This amount is then returned to the retirees in the form of monthly payments to help them finance their expenses without having to work.



CPP Disability Benefit

CPP Disability Benefit is administered by Service Canada. This organization helps those individuals who can no longer continue contributing to their pension plan due to a physical limitation. This organization makes monthly payments in place of a disabled individual who can no longer make a living over an extended period. This benefit is for individuals who had to quit work due to a physical impairment before the age of 65. Service Canada will maintain their fund till they reach 65 and then released in the form of monthly pension payments.



Basic Requirements for CPP Disability Benefit

Three main conditions have to be met for an individual to avail of the CCP Disability Benefit.

1. The individual must have an already established account in the Canada Pension Plan. Payments must be made during the period of employment into the fund as well.

2. The age of the applicant must be between 18 and 65 years.

3. A medical condition or injury that prohibits them from continuing work.

Contributions Requirements

The applicants who meet the following contribution requirements can gain from the CCP Disability Benefit.

1. The individual must have actively contributed to their pension plan for at least four years out of the six years before the diagnosis of their disability.

2. There is an exception for those applicants who have made payments for their pension plan for at least 25 years in total. They can avail of this benefit as long as they have contributed for a minimum of three years out of the six previous years.

If you or a loved one can’t work due to a disability, reach out to Nanda and Associate Lawyers. They have some of the most competent Canadian lawyers who can help you gain the benefits of the CCP Disability Program. They also offer the services of overseas education consultants who help disabled students gain admissions in international universities.  

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