Is long-term disability insurance the same as Canada Pension Plan disability?

April 28, 2022

No, long-term disability insurance is not the same thing as the Canada Pension Plan disability insurance. Private insurance companies typically offer long-term disability insurance under a contract with your employer to pay you a fixed percentage of your wage while you are disabled. The federal government offers the Canada Pension Plan (CPP) disability insurance program. It pays a certain amount considering the period over which you have paid into the CPP program. To be eligible for CPP benefits, you must have a mental or physical disability that regularly prevents you from doing any type of substantially gainful work, have a disability that is prolonged or of indefinite duration, or is likely to result in death.

Understanding which program applies to your situation can be confusing, and the eligibility rules are different for each. If you're dealing with a denied long-term disability insurance claim, our long-term disability lawyers can help. We take these cases on contingency, so there are no upfront fees. We're only paid if we win or your claim settles successfully. Contact us to schedule a free consultation and get clarity on your options.

Is long-term disability insurance the same as Canada Pension Plan disability?

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