CPP Disability Benefits: How Much You Can Get in 2025 and How to Apply

The Canada Pension Plan disability benefits (CPPD) provide essential financial assistance to individuals who have contributed to the CPP but are unable to work regularly due to a severe and prolonged disability. These benefits serve as a partial income replacement, ensuring financial stability for those in need.

Types of CPP Disability Benefits

There are two main types of CPP disability benefits:

1. Disability Pension – A taxable monthly payment for individuals who have contributed to the CPP and can no longer work due to a disability.
2. Post-Retirement Disability Benefit – A benefit for those who are already receiving CPP retirement pension but did not apply for a disability pension within 15 months of their first retirement pension payment.

Eligibility Criteria for CPP Disability Benefits

To qualify for CPP disability benefits, you must meet the following conditions:

• Be under the age of 65
• Have made CPP contributions in four of the past six years, or three of the past six years if you’ve contributed for at least 25 years
• Have a severe and prolonged disability that prevents you from working any job regularly

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Quebec Pension Plan Disability (QPPD)

The QPPD is the Quebec equivalent of the CPPD and follows similar eligibility requirements. You may qualify for QPPD if:

• You have only worked in Quebec
• You currently reside in Quebec and have worked in other provinces
• You live abroad, but Quebec was your last province of residence

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What Happens to Your Benefits at Age 65?

Once you turn 65, your CPP disability pension automatically converts into a CPP retirement pension, which is usually lower than the disability pension. The post-retirement disability benefit also stops at 65, but you can apply for Old Age Security (OAS) to supplement your income.

How to Apply for CPP Disability Benefits

Applying for CPPD benefits requires a written application. Follow these steps:

1. Complete the Application Form (ISP1151) – Available through Service Canada.
2. Obtain a Medical Report (ISP2519) – This must be filled out by your doctor or nurse.
3. Submit the Documents – Mail the completed forms along with certified copies of any required documents to your nearest Service Canada office.
4. Await Processing – The processing time is approximately 170 days. Service Canada may contact you for additional information or require a second medical evaluation.

CPP Disability Benefits Payment Amounts for 2025

The payment you receive depends on your CPP contributions. Here’s what to expect in 2025:

• Average Monthly Payment: $1,538.67
• Maximum Monthly Payment: $1,673.24
• Post-Retirement Disability Benefit: $598.49 per month

Children’s Benefits

If you receive CPPD benefits, your dependent children may also qualify for additional financial support.

Can You Collect ODSP and CPPD Together?

In Ontario, you may qualify for both the Ontario Disability Support Program (ODSP) and CPPD. However, ODSP may reduce or revoke payments depending on the support received from CPPD. Contact ODSP for more details.

CPP Disability Payment Dates for 2025

Here are the scheduled payment dates for CPPD in 2025:

The CPP disability benefits provide crucial financial support for those unable to work due to a disability. Understanding eligibility, application procedures, and payment amounts ensures you maximize your benefits in 2025. If you’re unsure about your eligibility, consult a financial advisor or Service Canada for assistance.