Canada Pension Plan Disability (CPP-D)

What is the CPP Disability Benefit?

The CPP disability benefit is a monthly payment for people under 65 who have contributed enough to the Canada Pension Plan and can't work regularly because of a severe and prolonged disability.

Key Information

Who it's for: People over 18 and under 65 who can't work regularly because of a severe and prolonged disability.
Contributions matter: You must have paid into the Canada Pension Plan in at least 4 of the last 6 years, 3 of the last 6 with 25 years of contributions, or under the late applicant provision. Other rules may also help you qualify.
Amount: A basic monthly amount of $610.46 (2026), plus more based on how much you paid into the CPP.
Children's benefit: Your dependent children may also receive a monthly payment.

You need to be eligible and apply to receive the CPP disability benefit.

Quick Facts

$1,741.20 Maximum monthly payment (January 2026)

$610.46 Basic monthly amount, plus more based on your contributions

Under 65 You must be under 65 to apply

4 of 6 years CPP contributions needed before your disability

120 days Service Canada's target to decide your application

Up to 11 months Possible retroactive payments from your application date

Do You Qualify?

Are you between 18 and 64 years old?

Have you contributed to the Canada Pension Plan in any of these ways?

In at least 4 of the last 6 years, or
For at least 25 years, including 3 of the last 6 years, or
Under the late applicant provision: you had enough CPP contributions back when you first became disabled and have been disabled continuously ever since, even if you do not have recent contributions.

Do you have a severe and prolonged disability that regularly prevents you from working?

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