The Canada Pension Plan (CPP) is one of the best retirement fund schemes available to the citizens of Canada that entitles its applicants disability benefit if, over a period of time, during your years of contribution, you develop a physical or mental disability that prevents you from earning any livelihood. If such a situation is likely to continue over a prolonged period of time, you could be eligible for a monthly pension till retirement age, after which Old Age Security becomes effective.
In order to collect CPP Disability Benefits, you must contribute a prescribed amount based on your income, for at least 4 out of the last 6 years. If you have contributed for an overall 25 years to the plan, then the criterion is that contribution should be made for 3 out of the last 6 years. The plan does not cover health care benefits.
There are situations when people don’t apply on time for the Canada Pension Plan Disability Benefits due to various reasons. Some are not even aware of CPP disability benefits. Such cases can apply under a late application; but, the retroactive lump sum amount would be calculated from 15 months prior to date of application, not from the date you stopped working.
If you have a physical or mental disability or both, stopping you from doing any kind of work and you have contributed to the Plan for the right number of years, you might be eligible to apply for Canada Pension Plan Disability Benefits.
Most of the applications received to claim disability benefits are rejected because of lack of appropriate evidence. It is obligatory on your part to produce the correct documentation to show that you have sustained a permanent significant disability as described above.
It is in situations such as these that your CPP lawyers come into the picture! You need expert guidance in order to claim your CPP disability benefits because often there are huge lapses in the therapeutic treatments and proofs of disability within the correct timeframe. Your CPP lawyer/ legal representative knows how to apply and what are the right procedures for a successful application.
If your disability claims are not entertained by the Service Canada, then you have the right to appeal this decision, but it has to be done in a timely fashion and your rationale for your appeal should be convincing. A delay in filing an appeal could mean less or no chance of success. Remember, there is a very strict timeline involved in the procedure. Besides, the entire procedure is quite complex and overwhelming to those who are not familiar with the legal aspects. Your experienced CPP lawyer/ legal representative can and will represent and help you to successfully claim disability benefits that you are eligible for.
The future is a closed book, which no one knows; we only wish that nothing happens to you for the years to come; but if you sustain an injury or develop a severe disability, consider getting dedicated and well-informed professional legal help from us, your CPP Disability experts.