# RRSP Withdrawal and effect on CPPD and LTD

**URL:** <https://forum.resolutelegal.ca/t/rrsp-withdrawal-and-effect-on-cppd-and-ltd/1010>\
**Category:** Disability Insurance\
**Created:** [February 7, 2018, 7:26pm UTC](https://forum.resolutelegal.ca/t/rrsp-withdrawal-and-effect-on-cppd-and-ltd/1010 "2018-02-07T19:26:29Z")\
**Posts on this page:** 3\
**Page:** 1

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**Author:** ![Goon](https://avatars.discourse-cdn.com/v4/letter/g/a88e4f/32.png) [@Goon](https://forum.resolutelegal.ca/u/Goon)\
**Post date:** [February 7, 2018, 7:26pm UTC](https://forum.resolutelegal.ca/t/rrsp-withdrawal-and-effect-on-cppd-and-ltd/1010/1 "2018-02-07T19:26:29Z")

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If you take money out of an RRSP, will your CPP Disability and LTD be reduced by the amount taken out? My policy states:

“If necessary, the amount of your benefit will be further reduced so that your total  
income from all sources does not exceed 85% of your pre-disability gross earnings  
(net earnings, if your benefit is non-taxable). All sources include those sources stated  
above and any benefit you are entitled to receive from:  
! any group, association or franchise plan  
! any retirement or pension plan”

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**Author:** ![jammer](https://avatars.discourse-cdn.com/v4/letter/j/df705f/32.png) [@jammer](https://forum.resolutelegal.ca/u/jammer)\
**Post date:** [February 7, 2018, 10:30pm UTC](https://forum.resolutelegal.ca/t/rrsp-withdrawal-and-effect-on-cppd-and-ltd/1010/2 "2018-02-07T22:30:26Z")

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> [@Goon](#):
>
> any retirement or pension plan”

I think that means they will deduct your RRSP.  
Get a free consult about your situation:

> **[Disability Lawyer Free Consultation](https://www.resolutelegal.ca/free-consultation/)**
>
> Need help? No idea what type of case you have or even if you have a case? The best and easiest way to find out if you or someone you care about should pursue a disability claim is to call us toll-free at (888) 732-0470 for a free consultation.

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**Author:** ![jammer](https://avatars.discourse-cdn.com/v4/letter/j/df705f/32.png) [@jammer](https://forum.resolutelegal.ca/u/jammer)\
**Post date:** [February 12, 2018, 8:24pm UTC](https://forum.resolutelegal.ca/t/rrsp-withdrawal-and-effect-on-cppd-and-ltd/1010/3 "2018-02-12T20:24:19Z")

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> [@Goon](#):
>
> any benefit you are entitled to receive

Second thought, you’re not “entitled”, you “choose”.  
Ask your insurance company.  
It won’t affect CPP-D.