Posted on | | Categories:

CPP Disability Benefits Application

Applying for CPP disability benefits can be a lengthy and, sometimes, complicated process. Most people complete the application submission on their own.  Here are a few tips to improve the chances of your application being accepted the first time:

#1. They apply too early

To qualify for CPP disability benefits, the applicant must prove to CPP that their injury or illness is severe and prolonged.

Prolonged means that your disability is long-term and of indefinite duration or is likely to result in death.

Enough medical evidence must be provided to CPP to prove that your disability is severe and prolonged. This process can easily take from 6 months up to 1 year. If you apply too early, you will most likely receive a denial.

#2.  They don’t provide CPP with enough medical information to prove their claim.

Severe means that you have a mental or physical disability that regularly stops you from doing any type of substantially gainful work.

It appears that most people simply go to the web site and print off the forms. They then have their doctor complete the medical form and submit it.  There is a wide range of approaches among doctors when completing these forms. Some doctors may submit the form with one or two medical reports attached. Other doctors will simply sign the form and submit it without including any medical reports to support their opinion. In cases when these forms are all that is being submitted,  9 times out of 10 the person will be denied benefits.

You need to provide as much medical information to CPP as you can. It is important to always include your family doctor’s clinical notes and records.

You should include any reports and records from any specialist who is treating you. This includes any treatment which is unrelated to the injury or illness that prevents you from working. CPP looks at your complete health picture. Even if you have multiple health issues that are preventing you from working, they will still consider them as a whole.


 #3.  They don’t ensure that they have a clear medical opinion from their doctor about their ability to work and the permanence of the injury.

In order to meet the severe and permanent definition, your doctor must be prepared to say that you are unable to do any type of work, both full-time and part-time.  If your doctor makes the mistake of saying that you are unable to do only your current job, or that you could work part-time, you will receive a denial of benefits.  Therefore talk to your doctor before they fill out the form to ensure that they understand the test.

It is important to make sure your doctor clearly states any permanent injury in the medical form and any reports they file. It is important to remember that CPP disability benefits will not be paid until your injuries are deemed permanent.

If you have any questions regarding the application process or if you have been denied and need assistance with an appeal, feel free to contact me directly.

Teena Belland

Associate with the Personal Injury and Litigation Group



Disclaimer: This article is provided as an information resource. It is not intended to replace advice from a qualified legal professional and should not be relied upon to make decisions. In all cases, contact your legal professional for advice on any matter referenced in this document before making decisions. Any use of this document does not constitute a lawyer-client relationship

Tags: , , , , , , , , , , , ,
  1. October 20, 2017

    I wish I had researched the process of applying for the CPP Disability prior to submitting my application as by just reading this article may have improved my case for approval, I received the decision on September 15, 2017 so I still have time to have this reconsidered within the 90 day time frame for the appeal.

    • October 20, 2017


      Sorry to hear about the denial. You should definitely apply for reconsideration. I would be happy to have a quick call with you to discuss process if you would like.


  2. April 30, 2018

    Wish i would have read your advice before..I was denied my CPP Disability..Reason Given..I dont fit the Critera..?????????????..I had worked for 26 years..paid taxes..and put into my CPP plan..and I am 58 years old..with Severe Back Problems..Fibromyalgia..Lupus..I have had 7 heart Attacks,with a Coronary Artery Blockage of 70%..followed by Stint surgery..Osteoporosis,Arthritis..& seven Arthroscopies on my knees, due to cartlage and debrivement..septic arthritis of my left hip..sepsis of left jaw..after a severe break..My back pain is unbearable..L4-L5..tear..c2-c3 piched nerve..s area piched nerve..and benine tumours in the back..nerves adhered to the spine due to the osteoperosis casing severe pain. How do I NOT fit the criteria?????..Plus I get very depressed at times..who wouldn’t!!!

    • May 1, 2018

      Hi Diane. Thank you for reading the article. I am happy to discuss your situation with you further. Feel free to contact me by email at or by phone at 613-288-3203.
      Thanks and have a great day!

      – Teena Belland

  3. October 5, 2018

    How does collecting CPP Disability affect your pension when you turn 65. I have been on CPP Disability for 4 years. I’m 59 now, I know when I turn 65 it automatically changes to CPP pension and the amount I receive goes down depending on how much I contributed till then. So for the time I’m on CPP Disability am I still considered contributing to CPP? I’m worried that my amount to retire on is going to be lower because I haven’t been able to work. So my monthly income will be considerably lower then what I’m getting now. Which is already not enough to have my own place because of my income.

    • October 15, 2018


      If you are receiving CPP disability when you turn 65, the CPP the disability benefit automatically changes over to a retirement pension. The amount of the CPP pension is less than the disability pension because at 65 you can apply to receive Old Age Security. The disability pension is meant to be equal to the combined CPP and Old Age amounts you would receive at age 65. Once you receive the disability pension it creates the fiction that you continued to contribute to CPP during your disability. So, the amount you receive should not change significantly once you add in the Old Age Security component at age 65. You may want to call CPP to discuss this with them. They can tell you the amounts on retirement. If you have any further questions, please contact me directly at

  4. February 11, 2019

    What’s does a person do in the meantime if waiting over 6 months for money, how can you live , waiting for an answer

    • August 6, 2019

      Thank you for your interest in our blog post.

      We have reviewed your comment and feel that more information is needed before we are able to respond.

      Please contact our office directly at (613) 728-8057 to make an appointment to speak with one of our lawyers.

  5. July 25, 2019

    Hi Teena , I’m just in the process of applying , I’m terrified I will not get accepted , I’ve had many past surgeries most recently in the last year and less , my husband took a huge drop I pay to be home with me because I was so unable to function on my own
    I have been trying to return to work , but I am physically exhausted to what I can’t even explain , I want to cry from the time I get up in the morning until I go to bed , I have thoughts of hoping I just don’t wake up at all then all this pain would be over , I need some body to help me I’m desperate in trying to get some help , If I have to keep working I have no doubt I will die

    • August 6, 2019

      Marlene I am so sorry to hear about the struggles you are having. Unfortunately, we don’t take on CPP files on their own. My advice is to ensure that CPP has a complete copy of your medical history. They can look at all of your medical conditions in determining whether you qualify for disability benefits. Good luck.

      – Teena Belland

Write a comment:


Your email address will not be published.

© 2016 Tierney Stauffer LLP | Ottawa • Cornwall • Arnprior • Kingston • North Bay



Online Marketing by seoplus+