Income Program for those with Disabilities who have paid into Canada Pension Plan

Last week we talked about the Ontario Disability Support Program (ODSP). This week we are talking about the Canada Pension Plan Disability Benefits.

The Canada Pension Plan Disability Benefit (CPP-D) is a monthly payment for those who are unable to work because of a disability and who have paid into the Canada Pension Plan.

To qualify, you must:

• Be over 18 and under 65 years old
• Have a mental or physical disability the regularly stops you from doing any type of work that provides income above a set amount
• Have a disability that is long-term and of an unknown time, or may result in death
• Contributed enough money to the Canada Pension Plan
  • Contributed for at least 4 of the last 6 years before the date you because disabled or contributed for at least 25 years, including 3 of the last 6 years
  • You may still qualify even if you stopped working a while ago or didn’t apply right away. 

The amount of your total monthly CPP-D payment is made up of 2 parts:

• Basic monthly amount (2026): $610
• Additional amount: based on how much you’ve paid into the CPP while you were working
  • The average monthly amount is $1,191. Your actual benefit amount depends on the calculation when you apply for CPP-D. See ask what this amount may be, call Service Canada at 1-800-277-9914.

If you are getting your Canada Pension Plan Retirement Pension, you may also qualify for the CPP Post-Retirement Disability Benefit if you:

• Are 60 to 65 years old
• You became disabled after starting to get the CPP Retirement Pension
• And meet the other criteria above. 

If you are approved for CPP-D, your children may qualify for Canada Pension Plan Children’s Benefits

• Any of your dependent children can get a monthly payment if they are under 18 years old or between 18 and 25 years old and going to school full-time or part-time

If you are getting ODSP payments, your ODSP payment will be reduced by the amount of your CPP-D payment.