Online Resource for CPP Disability Participants in 2023

Table of contents

Service Canada administers the CPP disability benefit program, which replaces lost income. It provides monthly benefits to those who qualify. You must fulfill age, contribution, and disability requirements in order to be eligible. I wrote this manual to describe the CPP disability process.  

Service Canada administers the CPP disability benefit program, which replaces lost income. It provides monthly benefits to those who qualify. You must fulfill age, contribution, and disability requirements in order to be eligible. I wrote this manual to describe the CPP disability process.  

With this knowledge, you can determine whether you are eligible for benefits and learn what actions to take next.  

Describe CPP Disability

A program that replaces income is the CPP disability benefit. It is managed by Service Canada and provides disability benefits to those who qualify. You must satisfy age, contribution, and disability requirements in order to be eligible for CPP Disability. By submitting an application to Service Canada, you can apply. After reviewing your claim, they decide whether to accept or reject it. You are granted and receive a monthly payment. Age 65 can receive these payments.

Disability Benefit under the CPP

Service Canada provides the CPP disability benefit as a monthly payment. There are two different kinds of payments: the first is the standard CPP Disability Benefit. It is the most prevalent. The payments range from 8 to 74 and $1,538 67 each month. How much you contributed to the Canada Pension Plan determines the amount. Furthermore, the payments increase annually at the rate of inflation.

The post-retirement benefit is the second. However, only those 60 years of age or older who already receive the CPP retirement benefit are eligible for this benefit.

Advantage Name Age Requirements Ranges of payments (2023) Disability Benefits under CPP Older than 65 Failure to receive the CPP Retirement Pension 8 74 – $1,538 67 Post-retirement CPP Disability Benefit Age 60 to 65 Receiving the CPP retirement pension already Or grew ill following the start of the CPP retirement pension 8 (Fixed amount) 74

Children's Disability Benefit under the CPP

As a monthly payment, the CPP disability children's benefit is also available. It is provided by Service Canada to the children of CPP disability beneficiaries. However, the parent's disability continues to determine eligibility. Upon approval, each kid receives $281. every month 72 The primary caretaker of the child receives this benefit. The child is eligible to receive the payment if they are between the ages of 18 and 25 and are enrolled in school.

How to Determine Your CPP Disability Benefit Eligibility

Benefits are not available to everyone. So, below, we'll go over the prerequisites for each benefit. The standards for regular CPP disability benefits were included. Additionally, we are both eligible for the children's benefit and the post-retirement benefit.  

Age, contributions, a severe disability, a prolonged disability, and prolonged disability are the four main prerequisites for CPP.


Simple age restrictions apply. So, in order to qualify for regular CPP disability, you must be under 65. You must be 60 to 65 years old to receive the post-retirement benefit. Finally, the child must be under the age of 18 or between the ages of 18 and 25 and enrolled in school.


The contribution requirement, however, is more challenging to comprehend. Just contributing to the Canada Pension Plan is insufficient. Additionally, your disability must have begun when you had recent CPP contributions. In four of the previous six years, you must have paid. Alternately, if you have made contributions for 25 years or longer, you must have done so for three of the previous five years. The minimum qualifying period is known as this.

Severe impairment

The definition of "severe disability" is very clear. In other words, you are unable to work for a living due to a physical or mental impairment. In other words, your capacity for work is highlighted. Your individual characteristics, such as age, level of education, and employment history, are all taken into consideration. Your insurance provider's main concern is finding out if you are employable. That is, not just on paper, but also in the "real world."

Long-term inability

The term "prolonged disability" has a defined meaning. It means that your illness or condition must be severe and long-lasting, or it must be fatal. Therefore, a severe disability (that is not ongoing) will not be eligible.  

For the Post-Retirement Benefit, there are additional requirements.

This is only for those receiving the CPP retirement benefit, as the name implies. Additionally, you are only eligible for it if you have received retirement benefits for more than 15 months. You can "convert the CPP retirement pension to the CPP disability benefit" if it has only been less than 15 months. If at all possible, you should always take advantage of the regular disability benefit because it will increase your retirement benefit when you reach age 65.

Other conditions for the Children's Benefit

Based on the parent's disability, the children receive benefits. Children may receive benefits if a parent's CPP disability claim is approved. However, the child must be enrolled in school, between the ages of 18 and 25, and under the age of 18.

What Will CPP Disability Payments Cost in 2023?

Your payment is determined by Service Canada using "the CPP disability benefit formula." As a result, your payment is 8 flat. 74 Additionally, you get money according to how much you contributed. Service Canada makes an estimate of your total benefit. Your My Service Canada Account (MSCA) will show you this.

Benefit Monthly Payment Average (October) 2022) 2023 Maximum Monthly Payment CPP disability benefit as usual $1,064 80 $1,538 67 Post-retirement CPP disability benefit 4 64 8 74 Children's Disability Benefit under CPP $264 53 (for each kid) $281 (Per child) 72

The CPP disability payment retroactively

If the CPP disability benefits are retroactive, you might be curious. Will Service Canada pay you for the previous months, in other words? Yes is the response. But there are boundaries. For instance, your back pay can go no further than 12 months back from the date of your application. It also includes the months between the time of application and the time of approval.

"Top 7 Questions About CPP Disability Retroactive Payments" for more information.

Dates for CPP payments in 2022

Every month, Service Canada pays benefits. The CPP payment dates for 2022 are as follows:

  • 27 January 2023
  • 24 February 2023
  • March 29, 2023
  • April 26, 2023
  • May 29, 2023
  • June 28, 2023
  • July 27, 2023
  • 29 August 2023
  • 27 September 2023
  • 27 October 2023
  • 28 November 2023
  • 20 December 2023

Would you like to learn more about CPP disability payments? Check out our interview with Doug Runchey, a "CPP pension expert."

Which Medical Issues Are Eligible for CPP Disability?

Any medical condition can undoubtedly qualify for CPP disability. Service Canada places more emphasis on the severity of your disability than the severity of your diagnosis. You may occasionally receive a serious diagnosis. However, you might not have a severe disability. For instance, those who have multiple sclerosis can still work. It's crucial to understand that Service Canada concentrates on the disability you currently have.

Your diagnosis is nevertheless crucial. Your case will be decided by Service Canada using the Medical Adjudication Framework. According to this Framework, the state of your health is a key sign of disability.

Service Canada must consider the following elements when determining your disability:

  • The type of your illness
  • Functional restrictions brought on by the illness
  • Treatment effects
  • Medical advice
  • Interaction with additional factors, and
  • Specific Personal Qualities

Disability and Working under CPP

Only those who are unable to work for a living qualify for CPP disability. Service Canada defines "gainful work" as having the capacity to make $17,489 per year. 40 (before taxes) per year This is stated in the rules.

Consequently, you can work and reap rewards. Service Canada will permit you to make up to ,400 annually (before taxes) in 2022. You're not even required to inform them. However, you must disclose income of ,400 or more.  

More likely they are to stop your benefits if you earn over ,400 However, Service Canada considers this on an individual basis. For instance, we have observed individuals earning up to $13,000 while maintaining their benefits.

Service Canada offers a vocational rehabilitation program for those who want to get back to work. When you're accepted into that program, you get to keep all of your benefits while attempting to find another job. Yes, even if your annual income exceeds $17,489 40 yearly You keep your benefits if you don't succeed.

The application for CPP disability

To receive CPP disability benefits, you must apply. Fill out the Service Canada application forms to do this. Send them to Service Canada after that. They will contact you to ask for more details. To further explain things, they might however write to your physician or employer. They then decide whether to accept your application.  

Fillable applications

Two forms are included in the application:

  1. The application form, which you complete
  2. The medical report form, completed by your doctor

Watch this video to learn more about the CPP Disability Medical Report.

Five Steps to Applying for CPP Disability

Seek the advice of your doctor.

First, discuss CPP disability applications with your doctor. Without the support of your doctor, you cannot receive CPP disability benefits. Therefore, be sure your doctor supports you.  

Learn more about what to do if your doctor refuses to complete disability benefit application forms.

Prepare your application, then submit it.

You complete the application. It can be completed online or on paper. Your account with My Service Canada contains the online form. This application is very crucial. So, take your time when completing it. Try a practice application first, as we strongly advise. Once you have prepared all of your responses, complete the final application. The application is then mailed to Service Canada or submitted online.

Request that your physician complete the medical report.

Additionally, you must give your doctor a paper copy of the medical report form. It is best to schedule a visit with your doctor just to finish the form. Your physician will complete the form at the appointment and mail the original to Service Canada. They could also give you a copy.

Participate in the medical adjudicator's process.

A Service Canada medical adjudicator will then contact you. Typically, a registered nurse fulfills this role. To process your application is their job. To put it another way, they have the authority to accept or reject your claim. Consequently, prepare yourself for a call where they will ask you more questions. They might also ask your doctor or employer for more details. Always work together with them Above all, assist them in obtaining the data they require.

Await the result.

Finally, wait patiently. Your decision may take four to seven months to be made. But that typically has less to do with the caliber of your application and more to do with backlogs. With your MSCA, you can find out the status of your application.

Read more:

Appeal for CPP Disability

CPP rejections are very frequent. Service Canada actually rejects about 60% of applications. Yet you can still succeed in appealing for CPP benefits. Therefore, understanding the appeals process is crucial. Now let's examine it.

Three levels of appeal exist:

  1. Appeal for reconsideration
  2. Court Case Hearing
  3. Court Appeals


Reconsideration is the first level of appeal. Your appeal is handled by Service Canada. There is a 90-day cutoff date. Fill out the request form to begin the appeal. Then submit the form to Service Canada prior to the cutoff date. Additionally, you must send updated medical documentation in support of your appeal.

Study more:

Tribunal for Social Security (General Division)

You may appeal once more if Service Canada rejects the reconsideration appeal. The Social Security Tribunal (General Division) will hear this next appeal. Likewise, you have 90 days to submit an appeal request. You must submit a written request using the Notice of Appeal form.  

You then have up to two years to get ready for your hearing; this new amendment took effect on December 5, 2022. The judge makes a final determination regarding your claim during the hearing. You show up to the hearing to provide testimony orally. Additionally, you'll need to respond to any inquiries the judge may have. Therefore, now is your chance to share your story.

The reconsideration is distinct from the tribunal hearing. Service Canada has no influence over the judge. Additionally, you have the choice to provide oral testimony. This appeal is your best chance to succeed because you can share your story.

Tribunal for Social Security (Appellate Division)

You may appeal the hearing judge's denial of your claim one more time. The Social Security Tribunal Division is involved in this. You were not allowed to present fresh evidence or retell your story at the Appeal Division prior to the new SST changes taking effect. This made it extremely difficult for anyone to win at this point. However, appellants are now permitted to introduce fresh evidence in these cases beginning on December 5, 2022. This is due to the fact that these appeals will now be considered new proceedings. Simply put, the appellate division now functions as a second general division hearing.

Appellants can now select the type of hearing for their appeal, which is another significant change to the Appeals Division hearing.

Tardy appeals

There are times when people forget an appeal deadline. Fortunately, you can request an extension. However, you must move quickly. You must also have a valid excuse for missing the deadline.

More information is available at "How to Request an Extension of Time to Appeal a CPP Denial."

Upon Approval

The good news of receiving CPP disability benefits But it might also bring a fresh set of difficulties. Below, we go over some typical issues you might encounter.  

Starting the payment process

Remember that payments do not begin immediately. Instead, it may take one to five months to receive your first payment. My Service Canada offers an online status checker. Give them two months, though. Then begin calling to find out what is happening. You can complain if you believe they are not treating you seriously.

Learn more about how to complain to Service Canada regarding CPP disability. ’


Stress is greatly increased by CPP disability overpayments. When you receive both a CPP disability benefit and another disability benefit in the same month, overpayments occur. Benefits for long-term disability are the most typical. When this occurs, the insurance provider may reduce the amount they pay you. If they've already given you money in the past, you must return the favor.

See "CPP Retroactive Payment and Long-Term Disability Overpayment" for more information.

Tax issues

Benefits from the CPP are taxable as income. When you receive a sizable retroactive payment, this could be problematic. Even though this payment was made to your insurance provider, you are still required to pay tax on it.  

Your Top Questions About Paying Taxes on CPP Disability, Answered

Frequent Questions and Answers

What does CPP disability benefit mean?

A benefit that replaces income is the CPP disability. Service Canada reimburses those who qualify. You must be of legal age, have made sufficient contributions, and be disabled.

Who can receive CPP disability benefits?

Be under the age of 65. Have contributed enough to the Canada Pension Plan Having a physical or mental impairment that prevents you from obtaining regular gainful employment

How do I submit a CPP disability claim?

You can apply either on paper or online. Your physician completes a medical report. Service Canada evaluates the two forms. Your claim is then accepted or rejected by it.

What will the payments be in 2022?

The maximum payment for 2022 is $1,457. 45 each month. $1,064 is the average payment. 80 per month, while the typical child benefit is $264. In addition, the typical post-retirement benefit is 4 per month. 64 each month.

How are my payments determined?

A formula is used by Service Canada. It has a set price. Additionally a sum determined by your contributions Your payment will be higher the more you have put in. Maximum amount: $1,413 66 each month.

The CPP retroactive payment: what is it?

It is a one-time payment for the retroactive benefit. When Service Canada initially accepts your claim, you receive it. It represents any child benefits you may have received in the past, in addition to your own payment.

What are the advantages for the kids?

The child benefit is paid on a monthly basis. It is provided to children of CPP beneficiaries by Service Canada. It is a $257 fixed payment. for each child

Which kids are qualified for the benefit?

Any offspring of a CPP disability recipient The minor must be under 18 years old. Or between the ages of 18 and 25 and a student

Has my family's income or wealth an impact on my CPP disability?
How long can I receive CPP benefits?
Can I get CPP disability while working?

As of 2021, you can make up to ,900 annually. Following that, you must notify Service Canada of your income. They'll decide whether you continue receiving benefits. However, your benefits end once you reach $16,936 in income. 92 each year

Income from non-employment and CPP disability

No Unless the income is actually covert work income Investment-based passive income is not employment income. The exception being a day trader Alternatively, actively managing a portfolio of investments Employment income is not rental income. Except when you're a property manager

Can I leave the country and still receive money?

Yes But you need to inform Service Canada. Maintain contact with them

Does CPP disability pay for prescription, dental, or medical costs?

No Only an income replacement benefit is provided. Additionally, children's welfare

Do I have to pay income tax on CPP benefits?

Yes The benefit is subject to income tax.

How long should applying take?

It may require months. But it depends on how quickly you complete the application. And how long does it take to obtain medical records

Get CPP disability is it difficult?

Yes, depending on the circumstances. 57% of initial applications are rejected by Service Canada. That data is based on an audit from 2016.

How do I check the status of my application?

You can check your My Service Canada Account online or by phone.

How do I contest a rejection?

Utilizing the official documents Below are copies.

What is the deadline for an appeal?

There is always a 90-day appeal period. This is as of the day you received the rejection. Or, as soon as you learn about it

What occurs if I don't meet the deadline

Get legal counsel right away. You may ask for more time. However, you must act quickly. You must also have a compelling reason for missing the deadline.

The Social Security Tribunal's mission

It is a special CPP disability court.

Can I try to get back to work after getting benefits approved?

Yes Service Canada will assist you in going back to work. They may pay for your training because they have a special vocational program. Additionally, they may permit you to keep your benefits even as you seek employment.

Lawyers and Representatives for CPP Disability

CPP disability is made so that applicants can do it themselves. Or with assistance from a friend or relative But there are times when going it alone is challenging. Even if you have a valid disability and should be eligible, it can still be very frustrating. It is typical for people to work with a representative in complex cases. A "CPP disability lawyer" may be involved here. Or a different person who is familiar with the procedure Many lawyers will take cases on a no-win, no-fee basis. Before hiring a lawyer or advocate, do your research.

Every province in Canada has seen success with the representation of CPP disability clients that Resolute Legal has provided. All phases of the claim, including the initial application, reconsideration appeals, and the Social Security Tribunal, are assisted by our CPP disability attorneys. If you're dealing with an appeal, we can assess the circumstance and make recommendations to increase your likelihood of success. Part of our free claim review includes this. To request a free consultation, call us at (888) 732-0470 toll-free today. You can also submit a form.

Disability Resources at CPP

Province- and territory-specific offices

For CPP disability, Service Canada has designated offices. All correspondence must be addressed to your designated office.

Province Address Labrador and Newfoundland Service Canada, Station A Street, PO Box 9430 NL A1A 2Y5 John's Prince Edward Island and Nova Scotia Service Canada, Station A Street, PO Box 9430 NL A1A 2Y5 John's Nova Scotia and Quebec Service Canada, Fredericton, New Brunswick E3B 4Z6 PO Box 250 Ontario Service Canada, Chatham, Ontario, N7M 6B2, PO Box 2020 Station Main Saskatchewan and Manitoba Winnipeg, Manitoba, R3C 2N4 Service Canada, PO Box 818 Station Main Northwest Territories, Alberta, and Nunavut Edmonton, Alberta, T5J 2G4 Service Canada, PO Box 2710 Station Main Yukon and British Columbia Victoria, BC, V8W 2V2 Service Canada PO Box 1177 Station CSC

Service Canada can be reached at 1-800-277-9914 The equivalent number applies to all provinces.

Forms for CPP disability

The forms for all CPP disabilities are listed below.

Canada Service

Tribunal for Social Security

The Disability Channel of CPP

Visit YouTube's "the CPP Disability Channel" to find out more about CPP. Each week, we upload one to two new videos to this channel. Therefore, be sure to look it up.

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