CPP Disability Benefit Explained

[@MegsCarpentry-lovedogs]

This was very very helpful for someone on CPP disability long term and younger than 65yrs of age.👍. 🇨🇦

[@cdrandi7in]

Can ya tell me how you made or making out. I am the same 63 in march and on CPP Dis. 16 yrs broke neck&back. Like to know if its retroactive and could be the best can of worms i open in a long time! Can yo help me with your experience so far? And anyone same or pro??

[@marceld6061]

@@cdrandi7in My CPP disability was paid retroactively to the point of injury (almost 4 years back pay for me). Only drawback is that it is a taxable benefit so the first payment you receive is taxable in the year you receive it. Your accountant can help you with spreading that out.

[@markhowarth4978]

My spouse is in the process of applying for this benefit…great info provided here.

[@cdrandi7in]

hello i just heard about this and been on CPP Disability long time and offset some over the years by income assistance. Curious if you know if this CPP Disability Benefit (being a new but is designed for 60 to 65 i believe) is it retroactive to when i was on it at 60 ?Annd know how much it will be over my CPP is only $804 ?? i suspect if so i will be clawed back about the provincial income assistance but how much is it too?

[@lyndamcweb7307]

This was very helpful! My husband is now on disability through his employer (in BC) till he is 65 (4 more years), and they insisted that we apply for CPPD (has only been two months so not yet approved). He gets 50% of his wage through disability through disability benefits, but they will allow for 85% of his earnings before they clawback (does that make sense?) However, his employer will continue to pay into his cpp till 65. I assume this is a good thing?

[@robinhooper7702]

I'm on PWD and in the process of qualifying for CPPD. I seem to have read in the literature online that you can defer your CPPD for a two year period. But you must re-apply to defer it again if you should choose to do so. And yes the claw back, if I should qualify for both you will only end up benefiting the max you can claim on PWD. Although you can also make/earn over and above the premium up to $15,000/y with PWD, 'in my case.' Your situation may be different. CRA is full of good info online and My Service Canada. My Daughter is also on PWD since she was 21 years old, 34 now. And through my research I was able to increase her income to the max, which is 1410.50/m compared to 1110.50 she used to collect. Do your research...Oh, this was a 9 month process up this point. Prepare yourself.

[@peace.love.creation]

You mentioned about the average CPP-D but it is confusing because the amount can be a minimum or below the average, depends on the year...in 2023: up to $600/mon., especially if CPP retirement amount is low. To sum up, not all people can get the average amount.

[@ralphculley4650]

Thanks for the information good platform

[@ParallelWealth]

Thanks Ralph!

[@jessysanthi959]

Thank for your explanation

[@bz7547]

If eligible for the CPP Disability Benefit, can you still collect your retirement pension through your employer without penalty? Thank you so much, I absolutely love your videos!

[@be-i-ng]

very well explained, one question, is application for CPPD mandatory? if a person is under 60 and covered by a workplace insurance by a large carrier and does not want to apply for the CPPD can they choose not to apply even if the carrier wants them to?

[@kenbarthSimAV8tor]

You need to review the private health insurance policy; mine required me to apply for CPP Disability after a certain amount of time has passed; end result = same total monthly amount paid

[@be-i-ng]

@@kenbarthSimAV8tor it was a similar experience - in trying to help with an application there was a clause for CPPD application and pursuing reapplication too - the CPPD was approved.

[@saskysilverman1459]

if you are still working and have a disability tax credit already can you recieve the cpp disabilty thank you

[@theohaugen241]

So shafted again .

[@SusanDayz3912]

If I move to the US, will I still get my Canada pension disability?

[@rps1689]

Yes.

[@edwinrodeo]

Don’t move to California..

[@kenbarthSimAV8tor]

Another important point is CPP Disability monthly payment is taxable income; the private insurance LTD payment is a benefit - not taxable income so make sure to apply for disability designation for income tax purposes!

[@ShelleySharun]

I was denied CPP Disability and worked my entire life until I needed Disability coverage. That was 10 yrs ago. Ive heard i should reapply. Is this possible?

[@ParallelWealth]

I would reach out to service Canada to see. Not sure tbh

[@cdrandi7in]

Hi there and 62 i and been on CPP and prov. Income assistance a long time. I was only getting $680 at first and now $804 and help from Prov. Inc. Assistance of $43 untill a few years ago it wet up to $383 on top of the $804 made a tota $1187 of both. Is it retroactive and i have been on CPP Disability 16 yrs from spinal injury. Im 63 in march so should this be for me and it be great to think some retroactive as i just heard of this anyone plz?

[@teresitanolasco8093]

how r yu paid or not paid with Canadian Disability credit by CRA?

[@JS-jh4cy]

Can I collect my cpp disability overseas I finding I cannot afford to live in Canada

[@JS-jh4cy]

I am looking at living in Mexico or Dominican Republic because I can't afford to live in Canada soon

[@jimbertrand2499]

Are CPP disability payments taxable? I think many LTD payments are not taxable...

[@paulpoco22]

CPP Disability is taxable.

[@MegsCarpentry-lovedogs]

Hi LTD cpp disability payments are taxable and have been taxable. My income tax reporting counts the payments as income. And that is the way it is :)

[@jimbertrand2499]

@@MegsCarpentry-lovedogs Thanks Meg. Hammer on!

[@MegsCarpentry-lovedogs]

@@jimbertrand2499 Thanks Jim 👍. 🇨🇦. 💯

[@brianmcintyre8563]

Can you collect disability outside of Canada?

[@lizarellosa966]

Hi there, I’m 64 collecting CPP disability as per advise/ suggestion by hospital ( workplace) insurance company shortly after collecting long term disability from them and yes the amount was deducted from their total, ( not aware of the consequences for my retirement) now I’m turning 65 next summer, do I have a choice to stop it from to switch to a regular CPP.? I plan to delay my regular CPP until age 70 and increase my RIF withdrawal or decumulate my RIF. Thanks and more thanks to your very informative channel- more power and wisdom to you and your team.

[@ParallelWealth]

My understanding is CPP DI will switch to regular DI at 65 and there is no choice from there to delay. But worth reaching out to a my service canada center.

[@MegsCarpentry-lovedogs]

Hey, Liza, I am on cpp disability and it will switch to regular CPP at 65 and it appears there IS, yes, an option to defer it. So you will automatically receive regular cpp. Here is the process to follow: I found out that a person CAN defer cpp regular if on Cpp-d. The process is to let the cpp-d run its course up to age 65, let it automatically switch into Cpp regular, and only at this point and within the first 6 months of then being on cpp regular, write to request that the regular cpp regular be deferred. The info from an expert is around the 40 minute mark on "Does your CPP Disability Affect Your CPP Retirement? A conversation with Doug Runchey." On youtube. What a relief! It was the community member below Robert N J Stephens that alerted me to follow up. This is really great news knowing that even on cpp-disability that then automatically switches to cpp regular, promptly during the immediate switch to cpp regular write to request a deferral to the age you want, being 70 if that is your case. Plus CPP does qualify for the pension credit. This means that the first 2000$ qualifies for the pension credit when you do your income tax reporting. Hope this helps. Also, consider deferring OAS to 70 which will help keep your income lower than if you were to take both regular CPP and OAS. A few tricks here and there. Good luck.☘️👍🇨🇦

[@RobertStevensService]

@@MegsCarpentry-lovedogs Sorry you are wrong, I spoke directly to service Canada and you need to send a letter to them 6 months before you turn 65. Collecting CPP-D has no relationship with regular CPP. In service Canada eyes you haven't even started collecting cpp so it can be delayed until 70.

[@MegsCarpentry-lovedogs]

@@RobertStevensService Hi there. Recently Adam got me questioning if one could delay it after all to 70. The reason is because Adam recently had a presentation about OAS/CPP and the process to apply or indicate the delay. Adam showed on the service Canada website that once someone has started cpp but then realized it was best to delay it, it appears one has until the first 12 months of receiving it to contact Service Canada to stop the payments with instructions to delay. If one did receive payments they would have to be returned to back to the government. With this new information I got to thinking that even if the cpp-d did automatically at 65 switch to regular cpp, I would immediately notify them to stop cpp. With your information Robert, looks like prevention is the best medicine! I will try contact service Canada myself someday. Waiting for such a long time to get through is a deterrent. Interesting that Adam in this comment section replied that he also thought cpp-d to regular cpp would not allow any stoppage of regular cpp. Robert, congrats to getting through to talk to someone at Service Canada in the first place. I assume 🤔 you waited a very long time as you would have been put on hold and listened to elevator music while waiting??😉

[@RobertStevensService]

@@MegsCarpentry-lovedogs HI Meg, if you start collecting CPP-D before age 60 you haven't started regular CPP. They are 2 different programs. Check out KZbin channel "the cpp disability channel" he did an interview with a fellow who worked at CPP named Doug Runchey who confirmed that you can delay regular CPP until 70

[@wlutiger]

Can you work part time and get CPP disability?

[@ParallelWealth]

Limited. I think you can have up to a certain amount and then it reduces dollar for dollar. I'm sure a quick Google will lead you to the answer.

[@RobertStevensService]

You can earn up &6000 per year, but you might get reassessed if you work many hours a week. Being qualified to receive CPP-D is your not able to work regularly.

[@melissaleblanc8510]

Can you own a corporation and apply for CPP disability

[@ParallelWealth]

If you were paying into it, sure.

[@melissaleblanc8510]

@@ParallelWealth thank you for your answer. Can I keep the corporation while on cpp disability?

[@JS-jh4cy]

Mine is fucked I get so low income

[@MegsCarpentry-lovedogs]

JS, yes. What generally happens is even though cpp disability is fully taxable, a person on cpp disability has a low income. This low income with the fully taxable cpp-d puts the person in a very low tax margin which means a low taxable bracket. So it can not mean too much to such a person regarding the cpp-d being fully taxable. So low an income means lower taxation. It is the higher income people with disability cpp that would be more affected by the fully taxable cpp-d benefits because the income from cpp-d might push them up into the next tax margin, which means higher percentage so more taxes applied to their income. A bit difficult to explain without showing it visually, perhaps?? So much to learn, so little time eh!🙃🇨🇦

[@JS-jh4cy]

No i mean I get way below the average amount on disability, I may have unknowingly fucked up when I originally applied years ago in the financial calculation

[@sabalatif9350]

can a person get disability allowance while living outside canada but he is national or is it manadatory to stay in canada

[@ParallelWealth]

It's somewhat situational. You will want to reach out to Service Canada on this

[@javadbakhtiari4875]

If you get ODSP DISABILITY ARE YOU SELL qualify for CPP

[@ParallelWealth]

Yes, should be at 65 - but confirm with them.

[@kenbirkin7753]

or... your still disabled but forced back to work by poverty

[@victoriamacpriest7130]

So if you get cpp disability and turn 60 does that mean your monthly 1,000 amount cuts to 500? Or does it mean you collect an extra 500?

[@ParallelWealth]

No. Will stay as it was prior to 60

[@paulpoco22]

@@ParallelWealth for some people collecting CPP Disability is more than collecting regular CPP at 60 or 65. At 65 it switches to regular CPP.

[@cdrandi7in]

@@paulpoco22 Can you tell me about my situation above and what am i expecting. Do i need to oir should i ,do i get any more. Im 63 in march and on CPP Disability 16 yrs spinal injury non opertational to repair out there yet. Was quad first ands 7 yrs ago got worse but nice to know it would help . I get $804 CPP Dis. and $382 fr Income Assistance N.S. but 2 yrs ago that wenbt to there from just $43 i was told i lost the rest to qualify. I fought myseelf mental 16 yrs . I was told by them when i asked, ( ya,they used my rare case of no dfebt to qualify) S had to apply for every special need in order to. ) Kept me busy but didnt question why it went up i dont know it a letter said why but im tired! ((HELP PPL??)

[@MegsCarpentry-lovedogs]

@@paulpoco22 Yes, and the regular CPP will be LESS than the CPP disability. Not sure how much less though, but do know it will be less.

[@MegsCarpentry-lovedogs]

@@paulpoco22 Yes, this is my understanding as well. Disability cpp is more than regular cpp.