The Canada Pension Plan (CPP) retirement pension is a monthly, taxable benefit that replaces part of your income when you retire. If you qualify, you’ll receive the CPP retirement pension for the rest of your life.

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Canada Pension Plan Disability (CPPD) benefits are designed to provide partial income replacement to eligible CPP contributors who are under age 65 with a severe and prolonged disability, as defined in the Canada Pension Plan legislation. There are two eligibility criteria for the CPPD program.

There are two eligibility criteria for the CPPD program.

First, applicants must have made contributions to the program in four of the last six years, with minimum levels of earnings in each of these years, or three of the last six years for those with 25 or more years of contributions.

Second, they must demonstrate that their physical or mental disability prevents them from working regularly at any job that is substantially gainful, and that it is long-term and of indefinite duration or is likely to result in death.

There are two CPPD benefits:

• the disability pension, provided to individuals who meet the eligibility requirements and are not yet receiving a retirement pension, and
• the post-retirement disability benefit, which is provided to individuals who are found to be disabled after the start of their retirement pension.

Additionally, children of CPPD beneficiaries are also eligible for a flat-rate monthly benefit up to the age of 18, or up to age 25 if attending school full-time.

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