Question 1

How much is CPP Disability in 2025?

Accepted Answer

As of January 2025, the maximum CPP Disability benefit is $1,606.78 per month for the disabled person, plus up to $291.21 per month for each dependent child. Your actual benefit depends on how much and how long you contributed to CPP. The average CPP-D payment in 2025 is approximately $1,200 per month.

Question 2

What qualifies you for CPP Disability in Ontario?

Accepted Answer

To qualify for CPP-D in 2025, you must: (1) Be under 65 years old, (2) Have made sufficient CPP contributions (generally 4 of the last 6 years, or 3 of the last 6 years if you contributed for at least 25 years), (3) Have a severe and prolonged disability that prevents you from working regularly at any substantially gainful occupation, (4) Provide medical evidence from your doctor supporting your disability claim.

Question 3

How long does CPP Disability take to process?

Accepted Answer

Service Canada typically takes 120 days (4 months) to process a CPP-D application in 2025, though complex cases can take longer. If denied, you have 90 days to request reconsideration, which takes another 120+ days. Appeals to the Social Security Tribunal can take 6-18 months. Contact a disability lawyer immediately if denied to preserve your appeal rights.

Question 4

Does CPP Disability reduce my LTD benefits?

Accepted Answer

Yes, most Long-Term Disability policies in Ontario deduct CPP-D as an "offset" from your LTD payment. For example, if your LTD benefit is $3,000/month and you receive $1,400/month in CPP-D, your LTD insurer will typically reduce your payment to $1,600/month. You still receive the same total income, but from two sources instead of one. Always apply for CPP-D when on LTD—most policies require it.

Question 5

Can I work while on CPP Disability?

Accepted Answer

Yes, CPP-D allows limited work attempts. In 2025, you can earn up to approximately $7,400 annually before your work is considered "substantially gainful." Service Canada also offers a 3-month automatic extension if you try to return to work but cannot continue. However, sustained earnings above the threshold may lead to reassessment and termination of benefits. Always report work attempts to Service Canada.

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