Long-Term Disability Series: CPP Disability Benefits – Should I Apply?

When you see the words Canada Pension Plan, or its familiar acronym CPP, your mind probably turns to happy thoughts of retirement. The CPP deductions on your pay stub are a regular reminder that once you reach retirement age you'll have a dependable source of income based on your years of work.

But CPP also provides benefits for people who have not yet reached age 65 and find themselves unable to work at any job as the result of a severe and prolonged disability. In this blog post I review who may qualify for CPP disability benefits, whether a person should apply, and what to do if you feel you've been unfairly denied access to these benefits.

A "Severe" and "Prolonged" Disability