Post Retirement CPPD

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Post Retirement CPPD

What the Post-Retirement Disability Benefit offers

The Post-Retirement Disability Benefit is a new benefit available as of January 1, 2019. This benefit is intended to top-up individuals between the ages of 60-65 years that became disabled but were denied a Canada Pension Plan Disability (CPPD) Benefit because they received a Canada Pension Plan (CPP) Retirement Pension for more than 15 months. Individuals may be eligible for this flat rate benefit in addition to their retirement pension if they have made sufficient CPP contributions.

To reiterate, there are two types of Disability Benefits:

Benefit name Age Must be
CPP disability benefit Under 65 Not receiving the CPP retirement pension
CPP post-retirement disability benefit From 60 to 65 Already receiving the CPP retirement pension for more than 15 months or become disabled after starting to receive the retirement pension

 

Eligibility

To be eligible for the Post-Retirement Benefit You must:

  • be under the age of 65
  • have a severe and prolonged mental or physical medical condition, according to the definition in the Canada Pension Plan legislation
  • meet the minimum contributory requirements

 To meet the minimum contributory requirements, you must:

  •  have made valid contributions to the CPP in 4 of the last 6 years
  • have contributed for at least 25 years, including 3 of the last 6 years
  • meet the requirements for the late applicant provision
  • If you have been denied CPP disability benefits because you have received the CPP retirement pension for more than 15 months, CPP will automatically consider your eligibility for the post-retirement disability benefit. There is no separate application for this benefit.

How much will I receive?

  • The amount of the Post-Retirement Disability Benefit is the flat rate component of the disability pension. It is $524.64 for 2022.
  • This amount will be paid until age 65, at which point the PRDB payment stops, and the person continues to receive the retirement pension.
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