{"id":46794,"date":"2012-04-11T20:43:57","date_gmt":"2012-04-12T00:43:57","guid":{"rendered":""},"modified":"2025-04-23T11:30:08","modified_gmt":"2025-04-23T15:30:08","slug":"when-would-i-be-entitled-cpp-disability-pension","status":"publish","type":"publications-page","link":"https:\/\/www.cleo.on.ca\/en\/publications-page\/when-would-i-be-entitled-cpp-disability-pension","title":{"rendered":"How do I qualify?"},"content":{"rendered":"<p>You can qualify for CPP disability benefits if:<\/p>\n<ul>\n<li>you&#8217;re 64 years old or younger,<\/li>\n<li>you have a <strong>severe<\/strong> and <strong>prolonged<\/strong> disability, and<\/li>\n<li>you made enough <strong>pension contributions<\/strong>.<\/li>\n<\/ul>\n<p><strong>Severe<\/strong> means that your disability usually or always stops you from working or lets you earn only a small amount.<\/p>\n<p>Your disability can be physical, mental, or both. It does not have to be caused by your job.<\/p>\n<p><strong>Prolonged<\/strong> means that your disability is likely to:<\/p>\n<ul>\n<li>last for a long time and you do not know how long, or<\/li>\n<li>cause your death some time in the future.<\/li>\n<\/ul>\n<p><strong>Pension contributions<\/strong> are what you and any of your employers paid into the CPP. The government keeps a record of all these contributions.<\/p>\n<h2>Rules about pension contributions<\/h2>\n<p>Not all CPP contributions count as contributions for CPP disability benefits. Every year, you must earn more than a <strong>minimum amount<\/strong> for your contributions to count.<\/p>\n<p>For 2025, the <strong>minimum amount<\/strong> you must earn is <strong>$7,100<\/strong>.<\/p>\n<p>To qualify for CPP disability benefits, you must have made more than the minimum amount and have contributed for:<\/p>\n<ul>\n<li>4 of the last 6 years, or<\/li>\n<li>3 of the last 6 years if you contributed for at least 25 years.<\/li>\n<\/ul>\n<p>If you waited too long to apply and do <strong>not<\/strong> fit within the contribution years listed above, you may still be able to get benefits. You may qualify if:<\/p>\n<ul>\n<li>you would have qualified for CPP disability benefits when you first got your disability, and<\/li>\n<li>your disability has been prolonged and severe from then until now.<\/li>\n<\/ul>\n<h3>Special rules<\/h3>\n<p>There are some special rules that may help you get CPP disability benefits if you&#8217;ve not made enough pension contributions.<\/p>\n<p>For example, there are special rules if you:<\/p>\n<ul>\n<li>are divorced or separated,<\/li>\n<li>worked in another country, or<\/li>\n<li>made fewer CPP contributions because you were taking care of your children when they were 6 years old or younger.<\/li>\n<\/ul>\n<div class=\"box\">\n<p>Learn more in <a href=\"https:\/\/stepstojustice.ca\/questions\/health-and-disability\/can-i-get-cpp-disability-benefits\/\" target=\"_blank\" rel=\"noopener\">Can I get CPP disability benefits?<\/a><\/p>\n<\/div>\n","protected":false},"featured_media":0,"template":"","class_list":["post-46794","publications-page","type-publications-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How do I qualify? - CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cleo.on.ca\/en\/publications-page\/when-would-i-be-entitled-cpp-disability-pension\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How do I qualify? - CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)\" \/>\n<meta property=\"og:description\" content=\"You can qualify for CPP disability benefits if: you&#8217;re 64 years old or younger, you have a severe and prolonged disability, and you made enough pension contributions. 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Your disability can be physical,\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cleo.on.ca\/en\/publications-page\/when-would-i-be-entitled-cpp-disability-pension\" \/>\n<meta property=\"og:site_name\" content=\"CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)\" \/>\n<meta property=\"article:modified_time\" content=\"2025-04-23T15:30:08+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.cleo.on.ca\/en\/publications-page\/when-would-i-be-entitled-cpp-disability-pension\",\"url\":\"https:\/\/www.cleo.on.ca\/en\/publications-page\/when-would-i-be-entitled-cpp-disability-pension\",\"name\":\"How do I qualify? - CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)\",\"isPartOf\":{\"@id\":\"https:\/\/www.cleo.on.ca\/en\/#website\"},\"datePublished\":\"2012-04-12T00:43:57+00:00\",\"dateModified\":\"2025-04-23T15:30:08+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.cleo.on.ca\/en\/publications-page\/when-would-i-be-entitled-cpp-disability-pension#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.cleo.on.ca\/en\/publications-page\/when-would-i-be-entitled-cpp-disability-pension\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.cleo.on.ca\/en\/publications-page\/when-would-i-be-entitled-cpp-disability-pension#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.cleo.on.ca\/en\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Publication pages\",\"item\":\"https:\/\/www.cleo.on.ca\/en\/publications-page\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"How do I qualify?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.cleo.on.ca\/en\/#website\",\"url\":\"https:\/\/www.cleo.on.ca\/en\/\",\"name\":\"CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.cleo.on.ca\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"How do I qualify? - CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.cleo.on.ca\/en\/publications-page\/when-would-i-be-entitled-cpp-disability-pension","og_locale":"en_US","og_type":"article","og_title":"How do I qualify? - CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)","og_description":"You can qualify for CPP disability benefits if: you&#8217;re 64 years old or younger, you have a severe and prolonged disability, and you made enough pension contributions. 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