Canada Pension Plan Post-Retirement Disability Benefit

From: Employment and Social Development Canada

What the Post-Retirement Disability Benefit offers

The Post-Retirement Disability Benefit is a new benefit that is available as of January 1, 2019. It is intended for Canada Pension Plan (CPP) retirement pension beneficiaries found to be disabled but not eligible for a disability pension due to being CPP retirement pension beneficiaries for more than 15 months. Applicants who have made sufficient contributions may be eligible for this benefit in addition to their retirement pension.

How to apply

There is no separate application for this benefit. Applicants will complete a CPP disability benefits application. The eligibility criteria are the same as for the disability pension (for example, contributions in 4 of the last 6 years or 3 of the last 6 years if the individual has 25 years of contributions, and a severe and prolonged disability). Applicants who are found to not be eligible for the disability pension due to being CPP retirement pension beneficiaries for more than 15 months will be automatically considered for the Post-Retirement Disability Benefit.

How much you could receive

The amount of the Post-Retirement Disability Benefit is the flat rate component of the disability pension. It is $496.36 for 2019.

This amount will be paid until age 65, at which point the PRDB payment stops and the person continues to receive the retirement pension.

How does the Post-Retirement Disability Benefit interact with your other benefits

The Post-Retirement Disability Benefit is paid in addition to the CPP retirement pension you are receiving, until the age of 65

If you have any dependent children, a disabled contributor’s child benefit is payable.

CPP benefits may affect the income you receive from other programs. Some income-tested benefits take your CPP income into account, such as the War Veterans Allowance, Employment Insurance, the Guaranteed Income Supplement, the Allowance and the Allowance for the Survivor, as well as provincial and territorial social assistance (“welfare”) and disability benefits and most workers’ compensation programs. CPP benefits may also affect how much you get from your employer pension or private-sector disability insurance.

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