DENIAL OF CPP BENEFITS
To be denied for CPP benefits, your qualifying medical condition must be both prolonged and severe, therefore preventing you from obtaining a job and retaining that job for a period of time.
Your qualifying medical condition may be a physical injury or a mental health condition. Whatever the injury, it must be serious enough that you cannot do any type of work on a regular basis. Therefore, this means that you may not qualify for benefits if your disability lets you find other employment.
CPP benefits provide income replacement for those under the age of 65 who meet the following criteria. First, meeting the minimum CPP contribution requirements. Second, suffering from a severe and prolonged disability which renders them unable to get any form of work. Overall, there are two main kinds of CPP disability benefits; the disability pension and the post-retirement disability benefit. The former is available to those who are not receiving a retirement pension. The latter is available for individuals who have become disabled after starting their retirement pension.
One strategy people employ is to apply for CPP disability while pursuing their long term disability benefits. This can be a good strategy because, being a recipient of CPP disability can be used as concrete evidence that you have a disability. Also, there are some long term disability insurance policies that actually require you to apply for CPP disability.
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