# Should I apply for CPP and why? **URL:** \ **Category:** CPP Disability\ **Created:** [July 8, 2017, 1:52am UTC](https://forum.resolutelegal.ca/t/should-i-apply-for-cpp-and-why/414 "2017-07-08T01:52:06Z")\ **Posts on this page:** 11\ **Page:** 1
**Author:** ![Notsurewhattodo](https://avatars.discourse-cdn.com/v4/letter/n/4da419/32.png) [@Notsurewhattodo](https://forum.resolutelegal.ca/u/Notsurewhattodo)\ **Post date:** [July 8, 2017, 1:52am UTC](https://forum.resolutelegal.ca/t/should-i-apply-for-cpp-and-why/414/1 "2017-07-08T01:52:06Z")
I had never heard of CPP-D before visiting this site. I have been on LTD for a little over 2 yrs and my insurance company has never mentioned anything regarding it. So should I be applying for it now? If so, why? ---
**Author:** ![jammer](https://avatars.discourse-cdn.com/v4/letter/j/df705f/32.png) [@jammer](https://forum.resolutelegal.ca/u/jammer)\ **Post date:** [July 8, 2017, 2:04am UTC](https://forum.resolutelegal.ca/t/should-i-apply-for-cpp-and-why/414/2 "2017-07-08T02:04:42Z")
If you have a severe and prolonged disability and you can never work again, you may qualify for cpp-d. The benefit of getting it is that your cpp pension at 65 may be higher. Read [CPP Disability Application Guide for 2021 - Resolute Legal Disability Lawyers](https://resolutelegal.ca/practical-guide-for-how-to-apply-for-cpp-disability-benefits/) ---
**Author:** ![Notsurewhattodo](https://avatars.discourse-cdn.com/v4/letter/n/4da419/32.png) [@Notsurewhattodo](https://forum.resolutelegal.ca/u/Notsurewhattodo)\ **Post date:** [July 8, 2017, 2:14am UTC](https://forum.resolutelegal.ca/t/should-i-apply-for-cpp-and-why/414/3 "2017-07-08T02:14:51Z")
Thanks for the reply and the link. Are you familiar with how the minimum contributions work? Do you have to be employed every day for 4 yrs or does it count by taxation year? I worked 5 taxation yrs, but only 42 months (short 6 months). ---
**Author:** ![jammer](https://avatars.discourse-cdn.com/v4/letter/j/df705f/32.png) [@jammer](https://forum.resolutelegal.ca/u/jammer)\ **Post date:** [July 8, 2017, 3:43pm UTC](https://forum.resolutelegal.ca/t/should-i-apply-for-cpp-and-why/414/4 "2017-07-08T15:43:06Z")
I think you need to have made the minimum contributions to CPP ($4k I think) in 4 out of 6 of the last years (2012-2017). There is an exception if you raised children during that time. You should phone Service Canada to check with them. ---
**Author:** ![Notsurewhattodo](https://avatars.discourse-cdn.com/v4/letter/n/4da419/32.png) [@Notsurewhattodo](https://forum.resolutelegal.ca/u/Notsurewhattodo)\ **Post date:** [July 8, 2017, 4:32pm UTC](https://forum.resolutelegal.ca/t/should-i-apply-for-cpp-and-why/414/5 "2017-07-08T16:32:17Z")
Thanks for the info, I will definitely call on Monday. ---
**Author:** ![allyoops](https://avatars.discourse-cdn.com/v4/letter/a/919ad9/32.png) [@allyoops](https://forum.resolutelegal.ca/u/allyoops)\ **Post date:** [July 8, 2017, 11:59pm UTC](https://forum.resolutelegal.ca/t/should-i-apply-for-cpp-and-why/414/6 "2017-07-08T23:59:28Z")
> [@Notsurewhattodo](#): > > I worked 5 taxation yrs, but only 42 months (short 6 months). You had to make at least 5700 for the year to qualify. If you go to Service Canada website and sign into my accounts- you can use your online banking to self identify-then if there is a B beside your cpp contributions on any year-that year does not count. It also gives you an estimate of what your cpp-d might be ---
**Author:** ![David\_Brannen](https://sea1.discourse-cdn.com/flex019/user_avatar/forum.resolutelegal.ca/david_brannen/32/2_2.png) [@David\_Brannen](https://forum.resolutelegal.ca/u/David_Brannen)\ **Post date:** [July 11, 2017, 4:17pm UTC](https://forum.resolutelegal.ca/t/should-i-apply-for-cpp-and-why/414/7 "2017-07-11T16:17:39Z")
> [@jammer](#): > > I think you need to have made the minimum contributions to CPP ($4k I think) in 4 out of 6 of the last years (2012-2017). > There is an exception if you raised children during that time. > You should phone Service Canada to check with them. Your income needs to exceed what is called the “Basic Exemption Amount”. There is a formula for how this is calculated annually, but it goes up annually and her are the amounts you would need to meet for the past few years: 2016 - 5,490 2015 - 5,390 2014 - 5,250 2013 - 5,100 2012 - 5,010 2011 - 4,830 * * * **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 reliabile 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](https://resolutelegal.ca/free-consultation/) to request a free consultation or call toll free 1-877-282-5188 to speak with a member with our disability claim support team._ ---
**Author:** ![David\_Brannen](https://sea1.discourse-cdn.com/flex019/user_avatar/forum.resolutelegal.ca/david_brannen/32/2_2.png) [@David\_Brannen](https://forum.resolutelegal.ca/u/David_Brannen)\ **Post date:** [July 11, 2017, 4:22pm UTC](https://forum.resolutelegal.ca/t/should-i-apply-for-cpp-and-why/414/8 "2017-07-11T16:22:29Z")
> [@Notsurewhattodo](#): > > I had never heard of CPP-D before visiting this site. I have been on LTD for a little over 2 yrs and my insurance company has never mentioned anything regarding it. So should I be applying for it now? If so, why? I get this question all the time so I wrote this article awhile ago to give the answer you are looking for: [6 Reasons to Apply for CPP Disability Even Though Your Insurance Company Gets All the Money](https://resolutelegal.ca/cpp-disability-and-ltd-insurance-problems/) ---
**Author:** ![Notsurewhattodo](https://avatars.discourse-cdn.com/v4/letter/n/4da419/32.png) [@Notsurewhattodo](https://forum.resolutelegal.ca/u/Notsurewhattodo)\ **Post date:** [July 11, 2017, 8:25pm UTC](https://forum.resolutelegal.ca/t/should-i-apply-for-cpp-and-why/414/9 "2017-07-11T20:25:33Z")
Thanks for the information 🙂 I’ve ordered my application kit from Service Canada so will be applying for it soon. ---
**Author:** ![jammer](https://avatars.discourse-cdn.com/v4/letter/j/df705f/32.png) [@jammer](https://forum.resolutelegal.ca/u/jammer)\ **Post date:** [July 11, 2017, 10:48pm UTC](https://forum.resolutelegal.ca/t/should-i-apply-for-cpp-and-why/414/10 "2017-07-11T22:48:02Z")
You can download the PDFs from the Service Canada website and fill them in electronically. I found that easier than writing legibly. ---
**Author:** ![Notsurewhattodo](https://avatars.discourse-cdn.com/v4/letter/n/4da419/32.png) [@Notsurewhattodo](https://forum.resolutelegal.ca/u/Notsurewhattodo)\ **Post date:** [July 11, 2017, 11:30pm UTC](https://forum.resolutelegal.ca/t/should-i-apply-for-cpp-and-why/414/11 "2017-07-11T23:30:33Z")
Thanks for the heads up, but personally, filling them by hand works best for me.