Are these definitions correct?
Is it possible to stay on LTD after 2 years if denied CPP-D?
Definition of disability
- LTD before 2 years:
You will be considered totally disabled while you are continuously unable due to an illness to do the essential duties of your own occupation
- LTD after 2 years:
you will be considered totally disabled if you are continuously unable due to an illness to do any occupation for which you are or may become reasonably qualified by education, training or experience.
To qualify for a disability benefit under the Canada Pension Plan (CPP), a disability must be both “severe” and “prolonged”, and it must prevent you from being able to work at any job on a regular basis.
Severe means that you have a mental or physical disability that regularly stops you from doing any type of substantially gainful work.
Prolonged means that your disability is long-term and of indefinite duration or is likely to result in death.
employment is deemed “substantially gainful” if it allows the person to earn at least the maximum annual amount a person could receive as a CPP disability pension.