How do I apply for CPP disability benefits?
Question & AnswerHow do I apply for CPP disability benefits?
If you're eligible for Canada Pension Plan (CPP) disability benefits, you apply by completing and sending in an application kit.
Your employer or the government will not apply for you. You have to do it or ask someone to help you.
When to apply
You should apply for as soon as you:
- know that you have a serious disability
- have stopped working, and
- can get all the documents and evidence, including medical reports, you need about your disability
There is no time limit to apply. But, CPP will only consider you disabled for a maximum of 15 months before you apply. Since CPP starts paying benefits 4 months after you become disabled, you can only get disability benefit payments for up to 11 months before the date you applied.
When your benefits might stop
Usually, you continue getting CPP disability benefits until one of the following happens:
- you turn 65 years of age or start getting a
- you go back to work
- you are able to work on a regular basis and make more than the maximum amount set by CPP
- you go back to school full-time, in some cases
If you’re getting a CPP retirement pension
If you're 60 to 64 years old and getting a CPP retirement pension, you may be able to switch it to CPP disability benefits. See the step called Learn what your options are if you're 60 to 64 years old.
If your disability comes back
If your disability comes back after you return to work, you may be able to start getting CPP disability benefits again without going through the full application process. See the step called Find out how to restart your benefits if your disability returns after you go back to work.