Continuance of CPP-D upon deciding to retire before age 65


I just wanted to seek clarification. If I decided to retire early and take my work pension (assume my LTD will then close), would I continue with CPP-D until age 65 or would the CPP-D automatically become CPP-R when I retire from work early.


CPPD is not affected by your work pension or retirement. However, your work pension can be affected by CPPD, so best to ask your pension administrator so there are no surprises.

David Brannen

Disability Lawyer with Resolute Legal

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Thanks David
I am not planning on taking an early retirement if I don’t have to but was just enquiring to keep options open - Apparently my HOOPP is not impacted by my CPP-D.


My friend retired early because his federal employee pention was more than LTD.
Nothing to worry about either.