Petition e-7573 (Social affairs and equality)

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This petition is related to issues facing disabed Canadians involving age cut off and may have interest to some members.
Whereas:

  • Canadians with disabilities face systemic poverty and higher living costs that do not disappear at retirement age;
  • At age 65, Canada Pension Plan Disability (CPP-D) automatically converts to a standard CPP Retirement Pension, causing the immediate loss of the $610.46 monthly flat-rate base component;
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I literally said this to my Husband last night. Then there should be a supplemental amount added if the person had a disability prior to 65 especially if they received CPP-D before. IMHO.

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I have had this same conversation with many different people

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Here is a link to the petition page:

and signing page:

Open until October 13, 2026, at 11:05 a.m. (EDT)

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Incoming unpopular opinion…

I’m torn on this petition. As someone getting CPP-D I would sign because who doesn’t like extra money. BUT as someone who does not want their children’s CPP deductions being increased to pay for this, I’m actually against it.

CPP is an investment vehicle coupled with CPP-D which acts like a very limited income replacmemt insurance plan funded in part by each pay cheque deduction. Somewhere along the way people started to think it is supposed to be a social welfare program for the disabled to cover their cost of living. That is definitely not what CPP/CPP-D is or was ever intended to be.

Sorry if this triggers you, but it is the truth. If you wanted full employment income replacement coverage, or wanted all your basic living expenses covered, then you should have bought one of the million affordable insurance products available out there.

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Because you don’t need it to live, maybe?

If it isn’t then what is?

Who even thinks about that when they are under 50?

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I agree. However, this country, as of late, is all about “me me me” and is happy to offload the financial burden onto this country’s childrens so we can enjoy a better life. Given a plurality of Canadians think this way and have absolutely 0 sense of right and wrong, I signed it :smiley:

When I was working, I paid well over $X M in income taxes, so this is also my way of giving the middle finger to the government. I didn’t vote for them and never will.

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As my mother keeps reminding me, not everyone receives CPP. It would make more sense to beef up the Canada Disability Benefit than to beef up CPPD.

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  1. Correct, I planned ahead for various things life could throw at me.
  2. As mentioned, CPPD, is a limited income replacement insurance plan, the Social Welfare option is CBD, but there is no social safety plan that will cover ALL your cost of living expenses.
  3. Most people I have ever known under 50 have LTD insurance options through their employer or they already knew they should get their own private plan, especially once they had kids. The 20ish% or so who don’t, I tell them they are rolling the dice, but they don’t seem to care. Which seems like a complete lack of planning and responsibility when they also have children to think about.
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I would politely like to disagree.The Canada Pension Plan Act provides a comprehensive pension plan.

Section 44 uses the same mandatory language for both paths of eligibility:
a retirement pension shall be paid…
a disability pension shall be paid…

It is a public pension benefit earned through contributions — not a private insurance product purchased by premiums. The Plan produces one pension from contributions. There are simply two paths to eligibility: retirement or disability.

The term “disability pension” appears repeatedly throughout the legislation (roughly 100 times).Section 65(3) refers to an approved administrator of a disability income program. It does not describe this as wage-replacement insurance where the insured peril is lost wages rather than disability. It uses the language “makes a payment that would not have been made.”

Interestingly, section 65(2) uses nearly identical language — “a payment that would not be paid if a benefit under this Act had been paid” — and it applies more broadly to all benefits under the Act. Notice the recent changes to provincial Employment Pension Acts and the silent shift to “target” benefits.

The purpose and intent of CPP was not to become a corporate subsidy. Bill C-2 in 1997 was the pivot point.

Disability won’t end at 65. Willing to discuss or debate.

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Your reply fully reinforces and agrees with my opinion that the Canada Pension Plan (CPP) is an investment asset (i.e., a pension) funded by contributions. Canada Pension Plan Disability (CPPD) is funded by these contributions as well which mimics what a private insurance LTD does. Your benefit amount is a direct result of your contributions, exactly how insurance premium work. Under the Canada Pension Plan Act, these contributions funding CPPD are legally synonymous with insurance premiums.

Finally to my original point, nowhere is it written that CPPD is a social welfare program intended to cover the basic cost of living.

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Yeah it’s really an early medical retirement activating your pension rather than a social program. Also the fixed portion of CPPD gets replaced with OAS and GIS at retirement age.

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I agree that the Canada Pension Plan is a public pension funded by contributions, and that the Canada Pension Plan disability pension for contributors who become disabled is paid from those same contributions.Where we differ is on characterizing the Canada Pension Plan disability pension as insurance.The Canada Pension Plan Act does not describe the disability pension as insurance, nor does it treat contributions as “insurance premiums.” Section 44 uses the same mandatory language for both benefits: a retirement pension shall be paid and a disability pension shall be paid. It is one pension plan with two paths to eligibility — retirement or disability. The term “disability pension” appears roughly 100 times throughout the legislation.Calling contributions “legally synonymous with insurance premiums” is an interpretation, not what the Act states. The statute frames the disability pension as a contributory public pension for contributors who become disabled, not a private insurance product. The Canada Pension Plan provides a partial income-replacement pension based on contribution history, regardless of the eligibility path.Insurers have treated the Canada Pension Plan disability pension as if it were a policy of insurance. It is not. Lobbying documents use language such as “target benefit” and “financial incentive to return to work.” I had no reason to believe my Canada Pension Plan benefits would be absorbed by insurance.The lobby document is titled The Role of Disability Income Insurance Plans in Canada’s Disability Income System – Submission to the House of Commons Sub-Committee on the Status of Persons with Disabilities (2003) and is available online, if interested. My concern is that lobbying was able to change the practice without changing the legislation. Thank you for your reply.

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Those go past 65?

I have work coverage until 65.

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The insurance is supposed to cover your retirement savings as well as your living expenses…

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