The money deducted from your pay which goes toward the Canada Pension Plan is to cover a monthly pension after you turn age 65, however the plan also offers a disability benefit payable before that time. You can apply for this benefit if you suffer any injury or illness which prevents you from working, whether it was a work accident, car accident, or any other type of injury or illness.

   To qualify for disability benefits under CPP, you must have paid into the plan for the qualifying period (5 years out of the last 10 years), and you must meet the test for severe and prolonged impairment. This means that you must be incapable of performing any type of gainful employment, and that your condition is not likely to improve in the future, based on the reports from your treating medical doctors.

   If you apply for CPP Benefits and are turned down, there is an appeals process in place. At IWAC, our staff of experienced CPP specialists can assist you with your appeal for these benefits should they be denied after you have applied, both at the Review Tribunal level and at the level of the Pension Appeals Board.

   Contact us today for a free consultation.