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CPP disability benefits

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When would I be entitled to CPP disability benefits?

You might be entitled to CPP disability benefits if:

  • you are younger than 65,
  • you have enough pension contributions, and
  • you have a severe and prolonged disability.

Pension contributions are based on what you and your employers paid into the CPP while you were working. The government keeps a record of all these contributions.

If you are divorced or separated you may be entitled to a share of the pension contributions of your former spouse or common-law partner. For more information about this, see CLEO's resource Separation and Divorce or Death of a Spouse: Property Division.

Severe usually means that your disability prevents you from earning more than a small amount of income from work. Your disability can be physical, mental, or both.

Prolonged means that your disability is likely to last for a long and unknown amount of time, or to eventually cause death.

Your disability does not have to be caused by your job.