I was recently told by my insurance company to apply for CPPD, I did, and was approved (phew!) but found out I will only receive the bare minimum. I worked full time for a few years but mostly part time my whole life as I was busy raising my children before I left my job because of my disability. I just can’t comprehend how anyone would survive off of not even $500/month? Thank goodness I have my insurance! I’m wondering if anyone else has had this happen? Mostly I’m just grateful because hopefully now my insurance company will see that I truly have a legitimate disability and stop harassing me.
Anyone else receive this sort of strange amount?? I guess if my insurance company ever cut me off I’d be in trouble…as applying for PWD while receiving the CPPD may not be an option, I’m going to call service Canada at some point and ask a few questions just so I know what my options are…
You can always double check with CPPD for the calculation. Don’t forget it will be offset from insurance. Because of the offset at this point I would not worry about it but you should get the amount you were caring for children. It’s an extra form you need to fill out.
Hi, thanks for the response. I did briefly speak with a representative, we didn’t go into depth too much, but I guess the low amount is from a lifetime of mostly part time work…though I did work full time before I filed my disability claim…and I think it’s supposed to be based on that income… it’s confusing but yeah, I’ll likely call again and ask a few more questions so I fully understand the reasoning.
I did get the child provision as well, it was maybe $50/month or so…not much. I guess I was wondering if others were trying to actually live off such low payments, as I’m sure this isn’t just me…I’m not going to stress about it, again, I’m grateful for my insurance, just I’d be in trouble if that ever was cut off for sure!
How much is your CPP disability pension? You imply that it’s less than $500, which is impossible. Are any of your children still under age 18 or are they over age 18 but under age 25 and attending school or university fulltime?
Hi BRC - Unless you are having taxes withheld or there is some other recovery being made, the CPP disability payment cannot possibly be less than $500. The calculation of a CPP disability pension is comprised of a flat-rate benefit ($510.85 for 2021) plus 75% of your “calculated CPP retirement pension” (which could be fairly small but not less than zero), so the net CPP disability amount cannot be less than the flat-rate amount of $510.85.
Well I guess there must be a mistake made somewhere then because I definitely am receiving under the $500 mark…closer to $400, I don’t know why…I’ll have to take a close look at the paperwork (I haven’t actually received it all yet). So weird!
It’s also possible that it’s going to the insurance company. Most LTD insurance in Canada lets the insurance company deduct CPPD from the amount that they pay you. Which is a little frustrating if your LTD payments weren’t taxable, because CPPD is taxable…
CPP disability monthly payments are never reduced to go to LTD. That can only ever happen to the initial retroactive payment and only if the disability applicant has signed a form authorizing Service Canada to make such a withhold.
CPPD pays me directly, but my LTD insurer deducts the full amount of my CPPD from my LTD payment. Then I pay taxes on the CPPD amount, so that the money in my pocket is reduced by the amount of taxes that I have to pay on the CPPD.
Hi! I am paid directly from CPPD, the amount is deducted from my insurance, I then will pay the taxes on it.
Yeah, it’s a weird situation to be given less than the flat rate…now I’m wondering what is going on! I worked full time, and have contributed over the years…I’ll just have to look into it!
It also makes me wonder why my insurance company isn’t asking the government this question, it benefits them to collect as much money as possible!
Also, maybe the amount I’m getting is minus taxes? That could be…I guess I have a phone call to make!
Thanks for all the insights, this has been really helpful.
I’m with Doug on this, it is impossible to get less than $500 per month for CPP disability. The only way is if there are withholding money to for income taxes or you are getting some type of at-source garnishment from Service Canada or Revenue Canada. Probably is a tax withholding and if so, you may get that money back when you file your taxes.
David Brannen
Disability Lawyer with Resolute Legal
The response posted above is based on the limited factual information made available and is not intended as a full and complete response to the question. The only reliable manner to obtain complete and adequate legal advice is to consult with a lawyer, fully explain your situation, and allow the lawyer enough time to research the applicable law and facts required to give an adequate opinion. The basic information provided above is intended as a public service only, a full one-on-one discussion with a lawyer should be done before taking any any action. The information posted on this forum is available to the viewing public and is not intended to create a lawyer client relationship with any person. If you want one-on-one advice, please click here to request a free consultation or call toll free 1-877-917-7050 to speak with a member with our disability claim support team.
Hi, I received my approval letter and it is literally about 410$ the letter mentions that it is a taxable amount and that I may need to pay taxes on ot come tax time…so this makes it extra strange. I guess I should make that phone call!
I just got approved and seen just the monthly benefit and in my case I was getting already the sirvivor benefit and my own pension for obly 2 months as turned 60 not to long ago ,and together that was 775 but I thought that was a rip off as getting survivor 632 before my own cpp so already was confused and not have seen no retroactive payments yet but an update of what I would be getting for May 29 and I too am shocked and hope I am seeing things wrong or jumping the gun when things are not finalized but only getting 1173 which I worked all my life but stayed home with kids and they have that down and getting survivor so why is it not at close to max of 1600 Hope i am wrong did see nearly 1500 of deductions do not know what that is and have not got any explanations but really was depressing to see that after waiting 3 years I have no insurance company to do payments nothing only my lawyer that helped at the last level.. hope Its not that low but now that your mentioning it makes me wonder ..I have gone ito arrears for rent waiting for 3 years and to think it was for just this amount I felt sick cannot lie .Hope I am wrong and it came off from the back pay ,for the years I was waiting and the amount is close to max
I am sorry to hear you are having to deal with this. One thing you can do is to make sure CPP disability has taken into account you were out of the workforce to raise children. Make sure they have factored that in when arriving at your CPP disability benefits amount. Part of your CPP disability retro payment will go to paying back your CPP retirement received since turning 60. I hope there was an error. Good luck.
David Brannen
Disability Lawyer with Resolute Legal
The response posted above is based on the limited factual information made available and is not intended as a full and complete response to the question. The only reliable manner to obtain complete and adequate legal advice is to consult with a lawyer, fully explain your situation, and allow the lawyer enough time to research the applicable law and facts required to give an adequate opinion. The basic information provided above is intended as a public service only, a full one-on-one discussion with a lawyer should be done before taking any any action. The information posted on this forum is available to the viewing public and is not intended to create a lawyer client relationship with any person. If you want one-on-one advice, please click here to request a free consultation or call toll free 1-877-917-7050 to speak with a member with our disability claim support team.
Thanks for your so quick reply , Its supposed to be a happy time for this was so stressed to wait from Dec 2023 , but now that I am getting my allowance for the survivor I get 1563 dollars and so now with the survivor and I get 1563 its over 2k so for the first time I was ablet o catch up to some stuff only starting to receive it its been 3 months but now with this low 1173 dollars this sill bring my allowance for the survivor at low next year like example 450 and that will be less so this is all my stressed situation now and also with the low payment of disability the retroactive will be a joke sorry should be happy but I am thinking fighting for this much for so long not to mention a lawyer and will get nothing is making me so sick..Would you know that they show the monthly disability first and the retroactive would show up soon as do not see the back pay but did get a notice I a staying with family too and do you know its aways been direct deposit if the retroactive is direct dep or does the amount of back pay go to my lawyer I did not think so but I would be happy to know
You will get a payment explanation from Service Canada that shows a beakdown of the retroactive payment and any amounts paid back to Service Canada to refund any payments you got for CPP retirement after age 60. That payment explanation will also show you the exact amount for CPP disability. You can also call Service Canada and ask them to explain. You may also be able to see the payment listed in your My Service Canada Online Account. I hope others on here will comment who have been thought the same situation as they have more practical knowledge. All the best. — David
Thanks for helping me ..WOULD YOU KNOW .If I have direct deposit will the back pay be going into my bank as staying at my sisters for a visit to help me …I see the monthly amount going into my bank direct dep so hoping the retractive too ..Praying not cheque as not home but in Alberta …