# CPP Disability wait time - Your experience **URL:** \ **Category:** CPP Disability\ **Created:** [March 29, 2022, 10:25pm UTC](https://forum.resolutelegal.ca/t/cpp-disability-wait-time-your-experience/3701 "2022-03-29T22:25:21Z")\ **Posts on this page:** 10\ **Page:** 4
**Author:** ![jammer](https://avatars.discourse-cdn.com/v4/letter/j/df705f/32.png) [@jammer](https://forum.resolutelegal.ca/u/jammer)\ **Post date:** [May 23, 2022, 6:24pm UTC](https://forum.resolutelegal.ca/t/cpp-disability-wait-time-your-experience/3701/61 "2022-05-23T18:24:15Z")
> [@Caro](#): > > The RDSP is not as useful once you’re older since the matching grants and bonds stop at 49. I wonder though. If you have spare money to invest, it can grow tax free. Other people can contribute to it. ---
**Author:** ![Caro](https://avatars.discourse-cdn.com/v4/letter/c/b19c9b/32.png) [@Caro](https://forum.resolutelegal.ca/u/Caro)\ **Post date:** [May 23, 2022, 6:34pm UTC](https://forum.resolutelegal.ca/t/cpp-disability-wait-time-your-experience/3701/62 "2022-05-23T18:34:30Z")
Yes but as far as I can tell the income is 100% included in income instead of getting the 50% capital gains inclusion rate so you may end up paying more taxes eventually, especially if you have other sources of income. ---
**Author:** ![Canuck](https://avatars.discourse-cdn.com/v4/letter/c/65b543/32.png) [@Canuck](https://forum.resolutelegal.ca/u/Canuck)\ **Post date:** [May 23, 2022, 7:03pm UTC](https://forum.resolutelegal.ca/t/cpp-disability-wait-time-your-experience/3701/63 "2022-05-23T19:03:42Z")
I can’t seem to find the answer/clarity anywhere either. What if you only withdraw the Basic Personal Amount + Disability amount ($22, 470 for year 2021)…from what I have read so far there is no tax withheld at source but let’s say this is on top of your CPP payments + LTDI payment then do these withdrawals push you into a higher income bracket? ---
**Author:** ![pammey](https://avatars.discourse-cdn.com/v4/letter/p/76d3ee/32.png) [@pammey](https://forum.resolutelegal.ca/u/pammey)\ **Post date:** [November 18, 2024, 11:53pm UTC](https://forum.resolutelegal.ca/t/cpp-disability-wait-time-your-experience/3701/64 "2024-11-18T23:53:04Z")
Times are changed now 2024 you have judicators denying even when the doctors does everything Its no lie mass immigration’s benefits for them are interfering into Canadians benefit’s and very unfair worked all my life from age 15 and when I need it they deny it and for no good reason and its not the same as 2022 I do not know it was just me that got unlucky with judicator’s that seem to purposely deny it lying that they did not hear from the doctor and the doctor called seems so odd and puzzling I am very upset and have gone into poverty and am not in good state after what was done to me…Thi is my experience and hope none of you have to go through what happen to me … ---
**Author:** ![Taz25](https://avatars.discourse-cdn.com/v4/letter/t/71c47a/32.png) [@Taz25](https://forum.resolutelegal.ca/u/Taz25)\ **Post date:** [December 3, 2024, 11:03pm UTC](https://forum.resolutelegal.ca/t/cpp-disability-wait-time-your-experience/3701/65 "2024-12-03T23:03:58Z")
Hello, I applied Dec 2023. My Ltd 2 years was Nov 25, 2024. I heard nothing until August 2024 when I called for an update as well past 120 days. I want to be clear here, I used all the tools resolute legal supplied me the 19 page form for CPPD ended up at 83 pages I followed the work book did a lot of reading and thank you Jammer your input in a lot of different topics was very helpful. I recieved a call end of August asking if I was back to work, no I am not and was told I was approved back to January 2023. I had my accident in May 2022 , std was done in Dec 2022. Anyway. It took til November to actually get a check they paid insurance directly which I now owe taxes on. Use the free work book, I don’t think I could have been approved otherwise. I pulled my dr records for 2 years, my prescription history, all old and recent dr reports including psychiatrists, psychologist, physio, pain clinic dr, gp dr. And made sure every date was In Sync with my records it took me 6 weeks to put together. But I was approved and it took a long time. I hope this helps some one. Take care ---
**Author:** ![sunrise](https://avatars.discourse-cdn.com/v4/letter/s/9fc29f/32.png) [@sunrise](https://forum.resolutelegal.ca/u/sunrise)\ **Post date:** [January 25, 2025, 4:32am UTC](https://forum.resolutelegal.ca/t/cpp-disability-wait-time-your-experience/3701/66 "2025-01-25T04:32:56Z")
@Taz25 thanks for sharing your experience. That’s good to know it could take that long. For other people reading this: On the canada.ca website, the wait time is still showing as 120 days, and that page was updated just 2 days ago. Not sure if it’s accurate though. ---
**Author:** ![JHaines](https://avatars.discourse-cdn.com/v4/letter/j/87869e/32.png) [@JHaines](https://forum.resolutelegal.ca/u/JHaines)\ **Post date:** [January 20, 2026, 3:01am UTC](https://forum.resolutelegal.ca/t/cpp-disability-wait-time-your-experience/3701/67 "2026-01-20T03:01:28Z")
So there is hope for all of you. Service Canada received my application and doctors paperwork on December 7,2025. I got my call today that I was approved with backpay to December 2024. For context, I had a car accident in February 2024 and then a stroke in October 2024. I am fortunate that I am able to walk with a cane, but the cognitive and psychological effects of it all were well documented. By my math it took me 43 days from start to finish so don’t lose hope 🙂 ---
**Author:** ![anonymous1](https://avatars.discourse-cdn.com/v4/letter/a/77aa72/32.png) [@anonymous1](https://forum.resolutelegal.ca/u/anonymous1)\ **Post date:** [January 22, 2026, 2:46am UTC](https://forum.resolutelegal.ca/t/cpp-disability-wait-time-your-experience/3701/68 "2026-01-22T02:46:34Z")
Was yours listed as a grave medical condition? I’ve been waiting longer than you if not! ---
**Author:** ![JHaines](https://avatars.discourse-cdn.com/v4/letter/j/87869e/32.png) [@JHaines](https://forum.resolutelegal.ca/u/JHaines)\ **Post date:** [January 22, 2026, 2:05pm UTC](https://forum.resolutelegal.ca/t/cpp-disability-wait-time-your-experience/3701/69 "2026-01-22T14:05:59Z")
No, it wasn’t listed as a grave medical condition. It was listed as prolonged in duration. ---
**Author:** ![sunrise](https://avatars.discourse-cdn.com/v4/letter/s/9fc29f/32.png) [@sunrise](https://forum.resolutelegal.ca/u/sunrise)\ **Post date:** [January 25, 2026, 8:55pm UTC](https://forum.resolutelegal.ca/t/cpp-disability-wait-time-your-experience/3701/70 "2026-01-25T20:55:32Z")
Mine was approved last month. Wait time was 4 months after I sent in the medical report filled out by my doctor. I have multiple conditions and submitted 1000 pages. The first person that reviewed my case at Service Canada didn’t even check all my documents because they asked my doctor for more information which had already been submitted. I didn’t have to send in more information though because a week later the medical adjudicator called me and said I was definitely approved. I think it’s a mess at Service Canada but they seem to be respecting the 120 day wait time. [Previous page](https://forum.resolutelegal.ca/t/cpp-disability-wait-time-your-experience/3701.md?page=3)