federal · Canada-wide

CPP-D (CPP disability)

CPP Disability (CPP-D) is a monthly taxable payment for people under 65. It is for people who paid into the Canada Pension Plan (CPP) and now have a severe and prolonged disability. That means the disability stops you from working regularly at any substantially gainful job (a job that pays enough to live on). The payment has a flat-rate part plus a part based on your earnings — up to $1,741.20/month in 2026.

Check if I qualify

Verified Aug 22, 2026
federal program · Canada-wide

MonthlyWork & injury

At a glance

Worth:: ≤$1,741.20/mo + children's benefit
Who:: You are under 65 and have stopped working because of a disability.
Apply:: Official program page

What it could be worth

Amount

≤$1,741.20/mo + children's benefit

Maximum: $1,741.20/month (January 2026; rises monthly under CPP enhancement, reaching about $1,754.05 by December 2026).
Average for new beneficiaries: $1,234.68/month.
How it is built: a flat basic amount of $610.46 (2026) plus a part based on your contributions.
Children's benefit: $307.81/month for each child under 18 (or 18–25 in full-time school; half the rate if part-time).
CPP-D counts as taxable income, and it does reduce GIS (unlike the new Canada Disability Benefit, which is exempt).

Example: A 45-year-old contributor who earned $60,000/year before becoming unable to work might receive roughly $1,200–$1,400/month (average new awards are $1,234.68), plus $307.81/month for each school-age child. The exact amount depends on your contribution history.

How it benefits you

Up to $1,741.20/month (2026 maximum) — plus a children's benefit of $307.81/month for each dependent child.
Unlike income-tested programs, CPP-D depends on your contributions and your disability, not your income. It does not disappear if you have savings.
Terminal-illness applications are processed in about 5 business days. Grave conditions are processed within 30 days, and standard applications within 120 days.
If you were denied, you can ask for a reconsideration (a formal second look) — or take your case to the Social Security Tribunal.

What you need to qualify or apply

Eligibility

You are under 65 and have stopped working because of a disability.
Your disability is severe (it prevents any substantially gainful work — a job that pays enough to live on).
It is also prolonged (long-term, indefinite, or likely to result in death).
You contributed to CPP in at least 4 of the last 6 years. Other routes exist: 3 of the last 10 years, or 25 or more years of contributions. Your contributory earnings (the earnings you paid CPP on) must be at least $7,400 in 2026.
You are not yet receiving the CPP retirement pension.

How to apply

Apply as soon as the disability stops you from working regularly — the date you apply can affect when benefits start.
Apply online through My Service Canada Account (MSCA). It is the fastest route. You can also mail the paper form (ISP-1151, or ISP-2530A for terminal illness).
Complete the consent form (ISP-2502) so Service Canada can collect your medical information.
Have your healthcare professional complete the medical report (ISP-2519, or ISP-2530B for terminal illness) and submit it through MSCA or by mail.
Track the decision — the standard target is 120 days, and about 5 business days for terminal illness.
If you are denied, request a reconsideration within 120 days. After that, the Social Security Tribunal.

Documents you may need

Application form (ISP-1151 or ISP-2530A) with your Social Insurance Number (SIN) and banking details.
Medical report completed by your treating professional (ISP-2519 or ISP-2530B).
Consent form ISP-2502 for information collection.
Children's information if requesting the children's benefit.