mosquito-borne diseases affect up to 700 million people each year. learn more

2022年世界杯名单猜测

kotak: ltd and the cpp disability benefit delivers a one-two punch to the financial strain of being off of work

your company's long-term disability benefits aren't your only shot at financial support if you can't work. the canada pension plan disability benefit is worth applying for too.

by nainesh kotak

apr 19 2022

3 minute read

join the conversation

kotak: ltd and cpp help with the financial strain of being off of work

a 2017 canadian survey on disabilities report, showed 20 per cent of working-age adults ages 25 to 64 had at least one disability. getty

like many working canadians, you may assume that the canada pension plan (cpp) is geared to support those over age 65. but cpp has a disability benefit for workers of any age who have — or develop — a mental or physical disability that stops them from doing any type of work. and it can be applied for along with long-term disability coverage through your employer’s insurance plan.

let’s say you develop a spinal disorder, debilitating osteoarthritis or long-haul covid-19, with symptoms such as chronic fatigue or cognitive dysfunction that prevents you from working, there are options available to help provide the financial boost you need.

what is the cpp disability benefit?

cpp disability benefits offer a monthly disability payment to people who cannot work due to a disability and who have contributed to cpp. according to statistics canada , 22 per cent of canadians had at least one disability in 2018, representing 6.2 million people. a 2017 canadian survey on disabilities report , showed 20 per cent of working-age adults ages 25 to 64 had at least one disability.

to be eligible for cpp disability benefits, your disability must be both “severe” and “prolonged,” as defined by the cpp legislation, and you must have contributed to cpp in four of the last six years, or three of the last six years if you have contributed for at least 25 years. even if you are receiving private disability benefits (from a private insurer, for example), you still may be eligible for cpp disability benefits.

if you are approved for both ltd and cpp disability payments, insurance companies typically deduct cpp disability payments from the total they pay out. it’s also important to know that taking cpp disability funds will not reduce the amount of cpp you will receive at age 65.

to apply for both ltd and cpp, you need proof

to apply for ltd and cpp for disability benefits, you must provide medical evidence from your doctor proving your disability. and while the cpp disability program has stricter eligibility requirements than most ltd insurance plans, once approved, cpp is less likely to terminate your benefits than your ltd insurance provider.

at the same time, a ltd provider is less likely to terminate ltd benefits based on a claim that you are able to work if you have already met cpp requirements and cpp has ruled that your disability qualifies you for cpp payments. and if your ltd payments are terminated before you are fully able to work, you can at least continue to receive cpp (once approved) while possibly filing a lawsuit or appeal against your insurance company.

have you been denied cpp disability benefits?

cpp disability benefit claims are often denied simply due to a lack of supporting medical documentation, or unfortunately, because the decision makers are not medical professionals and do not fully understand and comprehend how an individuals’ disability prevents them from working. these cases highlight the importance of clearly explaining the impact your disability has on your ability to produce an income — something an expert can help with.

nainesh kotak , is the founder of kotak personal injury law, a firm focusing on protecting their client’s rights to justice and obtaining the compensation their clients deserve. he also serves as the chair of the long-term disability section of the ontario trial lawyers’ association.

don’t miss a thing: sign-up for healthing’s newsletter

thank you for your support. if you liked this story, please send it to a friend. every share counts.

kotak: ltd and the cpp disability benefit delivers a one-two punch to the financial strain of being off of work

your company's long-term disability benefits aren't your only shot at financial support if you can't work. the canada pension plan disability benefit is worth applying for too.

what is the cpp disability benefit?

my disability claim has been denied. now what?

if you have cancer, you may be eligible for long-term disability benefits

to apply for both ltd and cpp, you need proof

have you been denied cpp disability benefits?

advertisement

kotak: ltd and the cpp disability benefit delivers a one-two punch to the financial strain of being off of work

your company's long-term disability benefits aren't your only shot at financial support if you can't work. the canada pension plan disability benefit is worth applying for too.

what is the cpp disability benefit?

related stories

my disability claim has been denied. now what?

if you have cancer, you may be eligible for long-term disability benefits

advertisement

to apply for both ltd and cpp, you need proof

have you been denied cpp disability benefits?

advertisement

share story