The Canada Pension Plan Disability Benefit (CPPD) is a monthly taxable payment which can be provided to applicants who are no longer able to continue working due to a disability. CPPD is provided by the federal government of Canada and contributions are made by almost all workers in Canada and outside Quebec.

To qualify for the CPPD benefit, you must be under the age of 65 and suffer a severe and prolonged disability. The words "severe" and "prolonged" used in this case have specific definitions. The interpretation of these definitions are left to the courts and therefore may not be consistent with common interpretations.

Severe: “Incapable of regularly pursuing any substantially gainful occupation”
Prolonged: "Likely to be long, continued and of indefinite duration or is likely to result in death"

Applicants must also meet a contribution requirement of either:

1)   Contributing to CPP for 4 of the 6 years before the disability restricted the applicant from working, or
2)   Contributing to CPP for 3 of the 6 years while also having 25 or more years of contributions.

Applicants who do not meet contribution requirements may be able consult with a professional to find a way to increase their contributions.

For more information concerning CPPD, click here.