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

April 03, 2025

No, long-term disability insurance, usually provided through private insurers, is not the same thing as the Canada Pension Plan disability insurance. Private insurance companies typically pay benefits based on a set percentage of your wage while disabled.

The federal government offers the Canada Pension Plan (CPP) disability insurance program. The benefit amount will depend upon the period of time over which you have paid into the CPP program, in addition to meeting the CPP disability criteria.

To qualify for CPP benefits, you must prove a mental or physical disability. The disability must prevent you from doing the essential tasks of your employment, and must be considered severe and prolonged.

Understanding which type of benefit applies to your situation can be confusing, and the appeal processes are different for each. If you're dealing with a denied long-term disability insurance claim, our long-term disability lawyers can help. You won't owe us anything unless we win your case. Contact us to schedule a free consultation and get clarity on your options.

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

Expertise.

FAQs.