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Am I eligible for Canada Pension Plan Disability benefits?

If you've suffered a prolonged disability, you may be concerned about how you're going to support yourself. The Canada Pension Plan disability benefit can be accessed by many who are suffering.

What kind of information do you need to submit in order to prove that you're eligible for the plan?

The first thing you need to do is to prove you have a severe or prolonged disability. Your lawyer can help you gather paperwork and documentation to submit to the government explaining your injuries and why you're unable to work.

You also have to be under the age of 65 and must meet the CPP contribution requirements. Between the ages of 18 and 70, most people working and earning over $3,500 pay into the Canada Pension Plan. You must have contributed for four out of the last six years or three out of the last six years if you've contributed for 25 years or longer.

Doing this helps you become eligible for benefits if you need them later in life.

What happens if an illness is terminal?

Terminal illnesses are treated differently by the system. You'll still be able to access the pension plan, but you'll need to fill out a terminal illness application form. Your application can be approved within days, since the government takes only up to 48 hours to review terminal illness applications.

If you receive compensation for a disability from another source, can you still get CPP?

There are some adjustments that may be made, but in many cases, it's possible to continue to receive your CPP benefit payments as well as disability income from other sources. Other sources include things like insurance payments or social assistance programs; these will be considered when payments are determined for disability benefits, so your overall CPP benefit could be reduced.

Source: Government of Canada, "Canada Pension Plan Disability Benefit - Eligibility," accessed Feb. 09, 2016

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