Help! Questions re CPPD Benefit & Retroactive Pay

Hi there,

I have a question regarding CPP disability payments. I am applying for the CPP disability and have all of my medical forms filled out by my doctor stating that I have a severe and prolonged disability and unable to work now or in the future. The date of the onset of my disability is January 2017 - as agreed by both my doctor and I (if not before, I have been struggling for 10 years with Major Depressive Disorder, GAD, PTSD, Agoraphobia and Insomnia. However, I continued to try to work off and on during this time unsuccessfully because of my illness (6 jobs in 2 years). That being said, my last day with my last employer was September 2019. When asked on the application when I believed that I could no longer work because of disability, I concurred with the January 2017 which also is in alignment with my diagnosis’, medical records and medications at the time. But because I was not aware of the CPP Disability Assistance, I pushed myself to try to work due to financial strain although I was very sick throughout. Most of my positions only lasted a month to a few months due to the symptoms of my illness and inability to do my job(s) correctly.

My question is this: Is the initial date of disability determined by 1) When my medical records/ doctor/ evidence supports the fact that I was disabled in January 2017 or 2) The last day I worked at any job because of my disability?

If I was deemed to be disabled in 2017, would I still receive retroactive payments for the 11 months after the 4 month wait from the date of the onset of my disability? OR, would I not be entitled to retroactive payments?

Further, with respect to CPP Contributions. If the 6 years prior to the onset of my disability are taken into consideration for eligibility and If I did not contribute for 2 of those years because I was not working and caring for my newborn son will I qualify for the Chid-rearing Provision? If so, how does that work?

Finally, I have a 4 year old son who was in my care for the entirety of my disability and a 19 year old who was in my care up to 2018 - will there also be applicable payments for them factored into any lump-sum payment?

TIA :blush:

I have don’t know.
I think the back payment will include the 11 months before they received your completed application back to your medical date of disability on the form.
I am pretty much guessing.
I hope you included your “story” and didn’t just fill out the forms (you can still get CPPD just doing the forms).

I would apply for the child rearing provision if you are denied for not having enough contributions.

Good luck.

Thanks Jammer. My Doctor wrote the day she started treating me for my primary condition on my medical form as Jan. 10, 2017 and wrote that my condition was severe at that time and even prior to that. When asked on my form what day did I consider myself unable to work I used the same day. The application stipulates that the day that I deemed myself to be unable to work could be before or even after the day that I stopped working.

I sent in my application today by courier in BC. Fingers crossed! x

If Anyone else can provide any information on the date that CPPD uses for the first day of disability that would be great or Knows if I would receive any sort of retroactive payment based on my situation.


There is no specific date they use. This is an open question in each case based on the facts and is ultimately decided by the tribunal judge. It’s a legal determination not a medical one.

David Brannen

Disability Lawyer with Resolute Legal

The response posted above is based on the limited factual information made available and is not intended as a full and complete response to the question. The only reliable manner to obtain complete and adequate legal advice is to consult with a lawyer, fully explain your situation, and allow the lawyer enough time to research the applicable law and facts required to give an adequate opinion. The basic information provided above is intended as a public service only, a full one-on-one discussion with a lawyer should be done before taking any any action. The information posted on this forum is available to the viewing public and is not intended to create a lawyer client relationship with any person. If you want one-on-one advice, please click here to request a free consultation or call toll free 1-877-282-5188 to speak with a member with our disability claim support team.