CPP disability reverts to CPP at 65 question

Hi all, I apologize for this seemingly dumb question but why does it revert? CPP is lower somewhat and you are still disabled at 65. I know old age payments start at 65

I’ve often wondered the reason.


I am just guessing here but I think because 65 is considered standard retirement age and disability insurance is meant to insure you for your working years. Most private long term disability insurance also ends at age 65 and you are expected to save for retirement out of your disability payments.

You can also access the Guaranteed Income Supplement at age 65 if CPP and OAS are your only sources of income.

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That’s what I think.

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