# Drop out provision **URL:** \ **Category:** Uncategorized\ **Created:** [June 17, 2022, 2:00pm UTC](https://forum.resolutelegal.ca/t/drop-out-provision/3786 "2022-06-17T14:00:46Z")\ **Posts on this page:** 5\ **Page:** 1
**Author:** ![alecs](https://avatars.discourse-cdn.com/v4/letter/a/2bfe46/32.png) [@alecs](https://forum.resolutelegal.ca/u/alecs)\ **Post date:** [June 17, 2022, 2:00pm UTC](https://forum.resolutelegal.ca/t/drop-out-provision/3786/1 "2022-06-17T14:00:46Z")
Hi My name is Alex. I am currently on CPPD. I was a late applicant to CPPD and I have a question about drop out provisions. I moved to Canada in 1998 (at age 23), and at age 29, after graduating from university, I started work. Between 2004 and 2009 I contributed to CPP for 6 years, 4 of which were maximum yearly contributions. In 2009 I became disabled, and went on LTD until present times. However, despite being on LTD, I did not apply to CPPD until 2016, when the LTD insurer directed me to do so. In 2016, I was accepted in the CPPD program, **with an “effective date” of 2016**. However, depite having become disabled in 2009, on my CPP Statetement of Contributions, the years between 2010 to 2016 are labelled as “B” (“below basic exemption” ) Given that during the period of time between 2009-2016 I was on LTD, and suffered from the same disability that caused me to be accepted into CPPD, **is there a way to have the 2010-2016 period drop out from the CPP calculations?** (In other words, I have been continously disabled starting 2009, all the way through present times, despite being on to CPPD only starting 2016.) Am I correct in assuming that applying a drop out provision to the 2010-2016 period will effectively raise my eventual CPP pension? Alex ---
**Author:** ![Caro](https://avatars.discourse-cdn.com/v4/letter/c/b19c9b/32.png) [@Caro](https://forum.resolutelegal.ca/u/Caro)\ **Post date:** [June 17, 2022, 6:37pm UTC](https://forum.resolutelegal.ca/t/drop-out-provision/3786/2 "2022-06-17T18:37:35Z")
This is an incredibly technical question, you may have better luck asking dogger here: [Any questions about CPP? - Financial Wisdom Forum](https://www.financialwisdomforum.org/forum/viewtopic.php?t=115904) ---
**Author:** ![jammer](https://avatars.discourse-cdn.com/v4/letter/j/df705f/32.png) [@jammer](https://forum.resolutelegal.ca/u/jammer)\ **Post date:** [June 19, 2022, 1:05am UTC](https://forum.resolutelegal.ca/t/drop-out-provision/3786/3 "2022-06-19T01:05:20Z")
I would phone Service Canada. Maybe the effective date is based on applying late? > [@alecs](#): > > Am I correct in assuming that applying a drop out provision to the 2010-2016 period will effectively raise my eventual CPP pension? I think so. I think instead of getting drop outs the new formula is to assume 50% of the maximum contribution. I heard that but I may have misinterpreted it. I don’t know if drop outs or 50% is better. I would ask as Caro suggested. Post what you find our. 🙂 Good luck. ---
**Author:** ![alecs](https://avatars.discourse-cdn.com/v4/letter/a/2bfe46/32.png) [@alecs](https://forum.resolutelegal.ca/u/alecs)\ **Post date:** [June 19, 2022, 3:25am UTC](https://forum.resolutelegal.ca/t/drop-out-provision/3786/4 "2022-06-19T03:25:38Z")
Thank you. I will do so. I did email a lawyer a quick question and his answer (for free,) was: > short of appealing the legislation to the Supreme Court, I don’t see that you have any chance to get what you’re asking for. ---
**Author:** ![jammer](https://avatars.discourse-cdn.com/v4/letter/j/df705f/32.png) [@jammer](https://forum.resolutelegal.ca/u/jammer)\ **Post date:** [June 19, 2022, 11:24pm UTC](https://forum.resolutelegal.ca/t/drop-out-provision/3786/5 "2022-06-19T23:24:26Z")
Appealing to the supreme court doesn’t seem likely. ☹ Good luck though.