DEFINITION: Canada Pension Plan Disability Benefits (CPPD) are financial benefits provided to individuals who have made contributions to the Canada Pension Plan and are unable to work due to a severe and prolonged disability.
1. Can I receive CPPD benefits after the age of 65?
No, CPPD benefits automatically convert to Canada Pension Plan (CPP) retirement benefits at age 65. The disability benefits cease, and you will start receiving the regular retirement benefits.
2. What happens to my CPPD benefits if I turn 65 but still cannot work due to a disability?
If you are still unable to work due to a disability after turning 65, your CPPD benefits will cease, but you may be eligible to apply for other provincial or federal disability support programs like the Guaranteed Income Supplement.
3. Do I need to apply separately for CPP retirement benefits after age 65 if I am already receiving CPPD benefits?
No, you don’t need to apply separately. Your CPPD benefits will automatically convert to CPP retirement benefits once you reach the age of 65. Service Canada will inform you about this conversion process.
4. Will my CPPD benefits increase once they convert to CPP retirement benefits at age 65?
No, the amount of your CPPD benefits will remain the same when they convert to CPP retirement benefits at age 65. The calculation of CPP retirement benefits is different from CPPD benefits and takes into account your contributions and earnings.
5. Can I receive CPPD benefits and Old Age Security (OAS) together after turning 65?
Yes, you can receive CPPD benefits and OAS together after turning 65 if you meet the eligibility criteria for both programs. CPPD benefits are not considered income for the purpose of determining OAS eligibility or the amount you receive.
6. Will my CPPD benefits be taxable after they convert to CPP retirement benefits at age 65?
Yes, CPP retirement benefits, including the converted CPPD benefits, are subject to taxation. Depending on your total income, a portion of your CPP retirement benefits may be taxable.
7. Can I continue to work and receive CPPD benefits after age 65?
No, CPPD benefits are only provided to individuals who are unable to work due to a severe and prolonged disability. Once you turn 65, you are expected to retire, and if you continue working, your CPPD benefits will cease.