Does your CPP Disability Affect Your CPP Retirement? A conversation with Doug Runchey

Welcome to The CPP Disability Perspective. Today David sits down with Doug Runchey about how CPP disability can affect the outcome of your CPP retirement. Doug is a CPP disability pension expert, having worked for many years with Federal Government's department that administered the Canada Pension Plan. We cover the everything about CPP pension calculations, including:
- The calculation for CPP disability benefits
- CPP disability vs CPP retirement
- CPP Retirement
- CPP Post Retirement Benefit
- CPP Disability Post Retirement Benefit
Doug Runchey's Website:
www.drpensions.ca/
Articles by Doug on Retire Happy:
retirehappy.ca/author/dougrun...
Sponsored by: Resolute Legal
Music: Up Your Street | Purple Planet Music
What to learn more? Check out our Ultimate Guide to CPP Disability: www.resolutelegal.ca/cpp-disa...
Need help? Contact our support team for a free consultation: www.resolutelegal.ca/free-con...
Visit our Website: www.resolutelegal.ca/
Subscribe to our newsletter: www.resolutelegal.ca/insider-...

[@WATCHLLS]

Thanks Doug, the ability to defer my regular CPP when my CPP-D runs out at 65 is a great benefit as this would allow me to draw on my RRSP in the years from 65-70 and get a lot higher OAS/GIS in later years.

[@91rss]

If you can guess your Yr of death .. Cause with men I hear its 72? so holding out 5 yrs to gain a couple grand for 2 yrs. wouldnt be option 1 for us.

[@Sweetiepiepi]

@@91rssFor a 65 year old man in Canada his life expectancy is 81 and a half so there are a lot of years to collect at the higher rate unless your personal disability impacts your life expectancy. www150.statcan.gc.ca/t1/tbl1/en/tv.action?pid=1310013401

[@thecppdisabilitychannel2048]

Great stuff!

[@user9b2]

Good for this guy 👍👍👍👏👏

[@manojsathe1434]

Good video

[@dianeconnell5044]

I got sick with the variant amogone and ended up in hospital only after getting the vivid shots and now I have something called Gillian bare which cost me both jobs now I'm sitting on eia disabily which I only get 1,095 a month can you please help me

[@shirelazar5655]

does the drop out for the Cpp disability benefit years also apply if your on ODSP. Do the years I'm on ODSP get calculated into my benefit amount?

[@alexanderingram3809]

I have been disabled for two years started cpp pension at age 62. I have continued to pay into into cpp while on disability insurance threw a personal plan at work. How will this affect my cpp

[@91rss]

and perhaps a comment on what happens if you were on unemployment at one point,, A friend was on it when they put her through retraining for a yr

[@thecppdisabilitychannel2048]

Unemployment does not affect your CPP disability, unless you are getting regular unemployment benefits during a period you are also claiming to be disabled. Service Canada does not like that.

[@davidbonnett6204]

Have been collecting cpp retirement just got approved for cppd do i have to pay back the cpp retirement benefits thank so much

[@andrearealdereyes5105]

Am in Canada, Vancouver...Can you help me with this? In person.......

[@91rss]

dont see the links? would be good to hear on what happens if your splitting CPP Disability and LTD. and you get raises at work when contracts are settled. Do you get that raise clawed back?

[@thecppdisabilitychannel2048]

We've got the links there now. Sorry about that! Raises from work can get clawed back for LTD if there is LTD was paid in months where the raise is applied to. This will not always be the case so you would need to get specific advice.

[@marcelcanuck]

If one is receiving cppd should they apply for cpp at the age of 60 , will the cpp pension be more money than cppd

[@danshields3654]

I worked full time from age 18 till age 41 when I went on Canada Disability I have been told that my CPP will be going down when I turn 65 in 2028 is this right.

[@juanita1563]

I applied for ccp disability in Nov 2022, will they go back another year

[@suehenwood7827]

Do I need to apply for cpp if im on cpp disability

[@cheriemaceachern9746]

I have been on CPPD since l was 50, I’m 55 now, but prior to that I worked 30 years straight. So at age 65, my CPPD becomes CPP , no change in take home amount only in name? And if l don’t want CPPD anymore, but rather defer it until I’m age 70 because it will be worth more, l have to accept 1 months pay of CPP , then l have to contact Service Canada and ask to stop my payments, is that what I’m understanding?

[@thecppdisabilitychannel2048]

This is an area where I am not an expert. Watch the sections where Doug explains it. But I would recommend reaching out to Service Canada in advance. You could also book an appointment with your local service Canada office to discuss it in person with an agent. Let them know well in advance this is what you want to do.

[@lovinggoldens4183]

if a person has been on cpp disability all their adult life ... Is your CPP much lower when you turn 65 and it changes from CPP disability to CPP... the person would have not worked to contribute to their CPP... thk you

[@thecppdisabilitychannel2048]

The years receiving CPP disability aren't factored in positively on negatively. So the CPP retirement would be based on the level of contributions when the person was working. Being on CPP disability helps because otherwise all those years out of the workforce would bring down your average earnings, which would reduce the CPP retirement payable. You can see your CPP retirement amount by logging into your My Service Canada Account.

[@ricoman7981]

I am turning 65 in 2022 and have been receiving CPP Disability since I was 60, unable to work due to issues from cancer. Will the federal government calculate my ongoing CPP payments maximizing what I am entitled to receive or do I need to hire a lawyer like you in order to obtain the absolute legal maximum that I should be receiving?

[@91rss]

also wonder if there is a chart to show what the Max contribution was for a certain yr. 80's 90's , to see how close one was to it. and does the calculation CPP tell you, assume your taking 8 poor yrs off? and do it for you?

[@thecppdisabilitychannel2048]

I am not aware of a chart, but if you get your CPP Statement of Contributions it will show all contributions going back to the 80s and for each year it will tell you if you made the min or maximum contributions. You can get this statement of contributions from the My Service Canada Website. You have to log into your personal account.

[@91rss]

@@thecppdisabilitychannel2048 yes see that, just wonder if one was close to that yrs Max . and we saw that on a yr where you were on EI for retraining, its a zero too..

[@Sweetiepiepi]

@@91rss here is a rate table with the maximum employee contribution in the column to the right. www.drpensions.ca/cpp-rate-table.html

[@91rss]

also always wonder what happens when one moves to Canada or moves back to after being away (expat)

[@thecppdisabilitychannel2048]

If you paid into the social security plan of another country, you can transfer those credits back to Canada. Otherwise you don't get any contribution credits for years out of the Canadian workforce.

[@jimconway878]

I'm receiving cppd when i turn 65 and it converts to cpp the amount i will be receiving from cpp will be less than i'm receiving on cppd. I was planning on oas to make up the difference, but now with the changes to oas in April 2023 i have to wait an extra 13 months before i can collect oas, is there anything i can collect from the government to make up the difference for the 13 months, i'll still be disabled and unable to work.

[@samspade1841]

There’s no changes to oas. You can collect when you turn 65.

[@jimconway878]

@Sam Spade Thanks Sam i found out there was just so much confusion going on for awhile.

[@jimconway878]

What is confusing me and i hope i'm wrong if you were born prior to April 1958 you can collect oas at 65. Born after that date the age of eligibility to collect would gradually rise until it

[@jimconway878]

Sorry forgot to finish that it would continue to rise until it reaches the age of 67.

[@samspade1841]

@@jimconway878 that was rescinded. You can collect at 65.

[@folenaseenarine1158]

9

[@JS-jh4cy]

Can I keep getting cpp disability outside of Canada

[@JS-jh4cy]

I can't afford Canada anymore

[@12choas]

Hello if am receiving max cpp-D will I receive max Cppat 65 thanks

[@thecppdisabilitychannel2048]

Probably, but I don't know the answer to this for sure. Go to your My Service Canada profile. It will show you what your CPP retirement payment would be. See if it is the max.

[@jeannydestura7455]

You are always talking about average contribution ... What about those workers who works double jobs wherein both jobs were deducted cpp contribution.

[@mactravel112]

was this filmed in his prison cell?

[@samspade1841]

Silly boy todd

[@marlenenionesdevera9678]

Have been subcribes as of today 11-26-22 love listening to your vllog as I’m receiving CPPD since I m 50 years young due to Cardio vascular anyreysm ( sorry my spelling ) fact I willbe 65 years young next year 09-15- 23( and I’ve filed my old age pention this year sept.21 To be recieving in exactly my 65 years young , I’ve filed early this sept . 21 due I don’t want to line long early AM in the service Canada burlington Ontario .( must note ) I’ve called service Canada follow up my early filed application this sept.21 -20.22 service Canada staff told me they been recieved my application early which I intend ask staff if I could file this early months , staff attend me says of course in short staff photo copy nesessities document from me which they ask and needed for 100% in process my old age pention in short I’ve set it early till it’s time to recieve them as service Canada has been lack of employees since the pandemic begun : well I’ve been survivor since 20.09 as brain stroked unfortunate , however fortunate to alive till I’m exhausted ump perhaps til up 100.+ ? Providing my brain still intack 👍🏼🤪😀🤛🏻🤝. Love to listen your blog folks keep doin excellent job and May god bless you al folks , sincerely MARLENE