Many individuals rely on the Canada Pension Plan (CPP) to support them in retirement. However, life can throw unexpected curveballs, and some individuals may find themselves facing a disability. In such cases, the CPP provides disability benefits to help individuals cope with their financial needs.
But what happens to individuals who already receive a CPP pension? Does receiving a CPP disability benefit reduce their existing pension? The answer to this question is important for those who rely on both types of benefits for financial security.
The CPP disability benefit is designed to assist individuals who have a severe and prolonged disability that prevents them from working. It provides a monthly payment to help cover essential expenses. However, it’s essential to note that receiving a CPP disability benefit does not automatically reduce an individual’s existing CPP pension.
The CPP pension is based on an individual’s contributions to the CPP throughout their working life. This means that individuals who have contributed more to the CPP will receive a higher pension amount. Therefore, the CPP disability benefit is a separate payment that individuals may be eligible for in addition to their CPP pension, without reducing the pension amount they receive.
Understanding the Impact of CPP Disability on CPP Pension
Disability can have a significant impact on a person’s ability to work and earn income. In Canada, the Canada Pension Plan (CPP) provides financial support to individuals who have contributed to the plan while they were employed. However, when a person becomes disabled and is eligible for CPP disability benefits, it can potentially reduce their CPP pension.
How does CPP disability reduce CPP pension?
When a person receives CPP disability benefits, their CPP pension may be affected in two ways. First, the disability benefits are calculated using a separate formula from the regular CPP pension. This means that the amount of the CPP disability benefit may be different from the amount of the CPP retirement pension a person is entitled to.
Secondly, when a person is receiving CPP disability benefits, their pensionable earnings are frozen at the time of disability. This means that their CPP pension will not increase based on additional years of earnings after the disability starts. The frozen pensionable earnings could result in a lower CPP retirement pension than what the person would have received if they had not become disabled.
Understanding the impact of CPP disability on CPP pension
It’s important to understand that the CPP disability benefit is designed to provide financial support to individuals who are unable to work due to a severe and prolonged disability. While it may reduce the amount of CPP pension a person is entitled to, it ensures that individuals with disabilities are provided with some form of income support.
It’s recommended that individuals who become disabled and are eligible for CPP disability benefits seek further information and guidance from the government or a financial advisor to understand the specific impact on their CPP pension. This will help them plan and manage their finances effectively in light of their disability.
Overall, while CPP disability may reduce CPP pension, it plays a crucial role in providing financial support to individuals with disabilities. Understanding the impact of CPP disability on CPP pension is essential for individuals to make informed decisions and effectively manage their financial resources.
Factors That Determine the Reduction of CPP Pension
When it comes to CPP and disability, there are several factors that can determine the reduction of your CPP pension. These factors include:
1. Age
The age at which you become disabled can have an impact on the reduction of your CPP pension. Generally, if you become disabled before the age of 65, you may be eligible for CPP disability benefits. However, if you start receiving CPP disability benefits before the age of 65, your CPP retirement pension may be reduced when you reach the age of 65.
2. Duration of Disability
The duration of your disability plays a role in the reduction of your CPP pension. If your disability is long-term, and you have been receiving CPP disability benefits for a significant period of time, it can lead to a reduction in your CPP retirement pension. The longer you have been receiving disability benefits, the greater the potential reduction in your CPP pension.
3. Average Monthly Pensionable Earnings (AMPE)
Another factor that determines the reduction of your CPP pension is your Average Monthly Pensionable Earnings (AMPE). The AMPE is calculated based on your earnings throughout your working years, and it determines the amount of CPP retirement pension you are eligible to receive. If your AMPE is lower due to periods of disability, it can result in a reduced CPP pension.
It is important to note that the reduction of your CPP pension does not necessarily mean that your overall income will be reduced. If you are eligible for CPP disability benefits, you will continue to receive those benefits even after you start receiving your CPP retirement pension. However, it is important to understand how your CPP pension may be affected before making any decisions regarding your disability benefits.
The Role of Disability Benefits in Setting the Pension Reduction
When it comes to the Canada Pension Plan (CPP), disability benefits can play a role in determining the reduction of a person’s pension. CPP disability benefits are provided to individuals who have made enough contributions to the CPP and are unable to work due to a severe and prolonged disability.
When someone becomes eligible for both CPP disability benefits and CPP retirement pension, they have a choice to make. They can either continue receiving disability benefits or switch to the retirement pension. The decision to switch can have an impact on the amount of pension a person receives.
If a person chooses to switch from CPP disability benefits to the retirement pension, their pension amount may be reduced. This is because CPP disability benefits are meant to provide financial support to those who are unable to work due to a disability. On the other hand, CPP retirement pension is designed to provide income replacement for individuals who have reached the age of retirement.
The reduction in CPP pension when switching from disability benefits is based on a formula. This formula takes into account the number of years a person has received CPP disability benefits and their average earnings during that time. The reduction is calculated using a predetermined formula set by the CPP program.
It’s important to note that the reduction in CPP pension is not always a significant amount. In some cases, the reduction may be minimal and may not have a significant impact on a person’s overall income. However, it’s crucial for individuals to carefully consider their options and make an informed decision based on their unique circumstances.
| Years of Receiving CPP Disability Benefits | Reduction Factor for CPP Retirement Pension |
|---|---|
| 1 to 5 years | 0.5% |
| 6 years | 2.5% |
| 7 years | 5.0% |
| Each additional year | 0.5% |
The table above provides an example of the reduction factors that are applied based on the number of years a person has received CPP disability benefits. It’s important to keep in mind that these factors may change over time, so it’s always a good idea to consult the official CPP website or speak with a CPP representative for the most up-to-date information.
Ultimately, the role of disability benefits in setting the pension reduction is to ensure that individuals receive the appropriate level of financial support based on their circumstances. By understanding the potential impact of switching from CPP disability benefits to the retirement pension, individuals can make informed decisions that align with their financial goals and needs.
How CPP Disability Benefits Can Affect Your CPP Pension
If you are receiving the Canada Pension Plan (CPP) and become disabled, you may be eligible for CPP Disability benefits. However, it is important to understand how these disability benefits can affect your CPP pension.
When you begin to receive CPP Disability benefits, your monthly pension payments may be reduced. This is because the CPP Disability benefit is designed to provide financial assistance to individuals who are unable to work due to a severe and prolonged disability. As a result, it is considered an income replacement benefit.
However, it is important to note that not everyone who receives CPP Disability benefits will see a reduction in their CPP pension. The amount of the reduction will depend on various factors, including the amount of your CPP pension and the amount of your CPP Disability benefit.
If you receive both CPP Disability benefits and a CPP pension, the combined amount of these benefits cannot exceed the maximum CPP retirement benefit. In other words, the total amount of CPP benefits you receive cannot be more than what you would receive if you were only receiving the CPP retirement benefit.
For example, if your CPP pension is $500 per month and you become eligible for CPP Disability benefits of $400 per month, your total monthly benefits cannot exceed the maximum CPP retirement benefit amount. If the maximum CPP retirement benefit amount is $900 per month, your combined benefits would be reduced to $900 per month.
Maximizing Your CPP Benefits
It is important to carefully consider the impact of receiving CPP Disability benefits on your CPP pension. While the reduction in pension payments may seem daunting, receiving CPP Disability benefits can provide valuable financial support if you are unable to work due to a disability.
If you are unsure about how CPP Disability benefits will affect your CPP pension, it is recommended that you consult with a financial advisor or contact the Service Canada to get a better understanding of your specific situation.
Additionally, there may be other financial assistance programs and benefits available to you as a person living with a disability. Exploring these options can help you maximize your overall financial support and ensure that you are receiving all the benefits you are entitled to.
In conclusion, receiving CPP Disability benefits can impact the amount of your CPP pension. It is important to understand the rules and limitations of these benefits to ensure that you are receiving the maximum financial support available to you.
Calculating the Reduction in Your CPP Pension Due to CPP Disability
CPP, or the Canada Pension Plan, is a government program that provides financial assistance to individuals who are retired, disabled, or otherwise financially disadvantaged. One type of CPP benefit is the CPP disability benefit, which provides financial support to individuals who are unable to work due to a severe and prolonged disability.
When you receive CPP disability benefits, you may wonder what impact it will have on your CPP pension. Will your pension be reduced because of your disability benefits? The answer is yes, but the reduction is calculated based on several factors.
How Does CPP Calculate the Reduction?
CPP uses a formula to calculate the reduction in your CPP pension due to CPP disability benefits. The formula takes into account the number of years you contributed to CPP, the amount of your CPP disability benefit, and how long you have been receiving disability benefits.
The reduction is calculated by multiplying your CPP pension by a factor, which is determined by a standard formula. This factor is then subtracted from your CPP pension, resulting in the reduced amount that you will receive. The reduction is applied to your CPP pension starting from the date you became eligible for CPP disability benefits.
Understanding the Impact of CPP Disability on Your CPP Pension
It’s important to understand that the reduction in your CPP pension due to CPP disability benefits is not permanent. Once you reach the age of 65, the reduction will be gradually phased out and your CPP pension will revert to its original amount.
It’s also worth noting that the reduction in your CPP pension is not applied to other types of pensions you may be receiving, such as private pensions or pensions from other countries. The reduction only applies to your CPP pension.
In conclusion, if you receive CPP disability benefits, your CPP pension will be reduced. However, the reduction is calculated based on a formula that takes into account several factors, and it is not permanent. It’s important to consult with a CPP disability specialist or a financial advisor to fully understand how your CPP pension will be affected by your disability benefits.
Important Considerations When Applying for CPP Disability
When considering applying for CPP disability, it’s important to understand how it may affect your CPP pension. While it’s true that CPP disability benefits can complement your existing CPP pension, it does not reduce or impact the amount of pension you receive.
CPP disability benefits are separate from CPP retirement pensions. The Canada Pension Plan (CPP) provides financial support to individuals who have a severe and prolonged disability that prevents them from working. By contrast, CPP retirement pensions are paid out to individuals who have reached the age of retirement and have contributed to the CPP during their working years.
If you qualify for CPP disability benefits, you will receive a monthly payment to help cover living expenses and medical costs associated with your disability. This payment is calculated based on your contributions to the CPP and the number of years you’ve paid into the plan. It is not dependent on or reduced by any CPP pension you may receive.
How Does Applying for CPP Disability Impact My CPP Pension?
Applying for CPP disability does not affect your CPP pension in any way. Your CPP pension will continue to be paid out as usual, regardless of whether or not you receive CPP disability benefits. These two programs are separate and independent of each other.
It’s important to note that if you are already receiving a CPP survivor’s pension, applying for CPP disability benefits may affect the amount you receive. In some cases, the survivor’s pension may be reduced or discontinued altogether if you qualify for and start receiving CPP disability benefits. It’s advisable to consult with a financial advisor or Canada Pension Plan representative to understand how your specific situation may be affected.
Conclusion
When contemplating applying for CPP disability benefits, it’s crucial to have a clear understanding of its implications on your CPP pension. Fortunately, CPP disability benefits do not reduce or impact your CPP pension. They are separate programs designed to provide financial assistance to individuals with disabilities and those who have reached the age of retirement, respectively. It’s always wise to seek professional advice to ensure you understand the unique circumstances of your situation and how to navigate the application process.
Exploring the Requirements for CPP Disability Benefits and Pension
The Canada Pension Plan (CPP) is a government program that provides financial assistance to individuals who are unable to work due to a severe and prolonged disability. The CPP offers two types of benefits: CPP Disability Benefits and CPP Retirement Pension. While the CPP Disability Benefits are designed to provide income support for those who are disabled and unable to work, the CPP Retirement Pension is a regular payment that individuals are eligible to receive when they reach a certain age.
So, does applying for CPP Disability Benefits reduce the amount of CPP Retirement Pension you can receive? The short answer to this question is no. Applying for CPP Disability Benefits does not reduce your CPP Retirement Pension.
However, there are certain requirements that you need to meet in order to be eligible for both CPP Disability Benefits and CPP Retirement Pension. To qualify for CPP Disability Benefits, you must have a severe and prolonged disability that prevents you from working on a regular basis. You must also have contributed enough to the CPP during your working years.
On the other hand, to be eligible for CPP Retirement Pension, you must have contributed to the CPP throughout your working years and have reached the age of 60 or older. The exact amount of CPP Retirement Pension you receive will depend on the number of years you contributed to the CPP and your average earnings during those years.
In conclusion, applying for CPP Disability Benefits does not reduce the amount of CPP Retirement Pension you can receive. However, there are specific requirements that you need to meet in order to be eligible for both benefits. It’s important to understand these requirements and to apply for the benefits you are entitled to.
Benefits and Drawbacks of Receiving CPP Disability and CPP Pension Simultaneously
Receiving both CPP Disability and CPP Pension at the same time can have its benefits and drawbacks. While it is possible to receive both benefits concurrently, it is important to understand how this might affect your overall income and financial situation.
Benefits
One of the main benefits of receiving both CPP Disability and CPP Pension is the increased financial support it provides. CPP Disability is designed to provide financial assistance to individuals who are unable to work due to a disability, while CPP Pension is a retirement benefit. By receiving both, individuals may have a higher total income, helping to cover medical expenses and daily living costs.
Another benefit is that receiving both benefits can provide greater financial security. CPP Disability benefits are reviewed regularly to ensure that the individual still meets the eligibility requirements. If for any reason the individual’s disability improves and they no longer qualify for CPP Disability, they may still be eligible to receive CPP Pension. Having both benefits can provide a safety net in case of changes in health or employment status.
Drawbacks
One of the main drawbacks of receiving both CPP Disability and CPP Pension simultaneously is that receiving both benefits can reduce the overall amount of CPP Disability payments. CPP Disability benefits are calculated based on the individual’s average earnings prior to becoming disabled. However, receiving CPP Pension can reduce the amount of CPP Disability benefits received. This is because CPP Pension is based on the individual’s contributions to the Canada Pension Plan during their working years.
Another drawback is that receiving both benefits can complicate the financial planning process. Individuals receiving both benefits may need to account for the different eligibility requirements and payment schedules, which can make budgeting and financial management more challenging. It is important for individuals in this situation to carefully track and manage their benefits to ensure they are receiving the correct amount and avoid any potential overpayments.
In conclusion, receiving both CPP Disability and CPP Pension simultaneously can provide increased financial support and security, but it is important to be aware of the potential reduction in CPP Disability benefits and the complexities that may arise in managing multiple benefits. It is recommended to consult with a financial advisor or contact Service Canada for more information on how receiving both benefits may affect your overall financial situation.
Understanding the Process of Applying for CPP Disability and CPP Pension
When an individual becomes disabled and is unable to work, they may be eligible for Canada Pension Plan (CPP) disability benefits. These benefits are designed to provide financial support to those who are unable to work due to a severe and prolonged disability.
The first step in the process is to determine if the individual meets the eligibility requirements for CPP disability benefits. The individual must have made enough contributions to the CPP while working and must have a severe and prolonged disability that prevents them from working at any job on a regular basis. The disability must also be expected to last for at least one year or be causing significant limitations in their ability to perform daily activities.
To apply for CPP disability benefits, the individual must complete and submit an application form to Service Canada. The application form requires detailed information about the individual’s medical condition, work history, and financial situation. It is important to provide accurate and complete information to ensure that the application is processed correctly.
Once the application has been submitted, Service Canada will review the information provided on the application form, as well as any supporting documentation, such as medical reports and employment records. They may also request additional information or assessments from the individual’s healthcare providers.
If the individual’s application is approved, they will start receiving monthly CPP disability benefits. The amount of the benefit is based on the individual’s average earnings before they became disabled and the number of years they have contributed to the CPP. The maximum monthly benefit amount changes each year and is adjusted based on inflation.
It is important to note that receiving CPP disability benefits does not necessarily mean that the individual is ineligible for CPP retirement pension. If the individual is approved for both CPP disability benefits and CPP retirement pension, they can choose to receive either one or the other, but not both simultaneously. It is recommended to carefully consider the financial implications and consult with a financial advisor to make an informed decision.
In conclusion, applying for CPP disability benefits and CPP retirement pension involves a thorough review of the individual’s eligibility and medical documentation. It is important to provide accurate and complete information to increase the chances of a successful application. Understanding the process and seeking professional guidance can help individuals navigate the application process and make well-informed decisions regarding their CPP benefits.
Legal Considerations for CPP Disability and CPP Pension Recipients
Recipients of CPP Disability and CPP Pension may have questions about how their benefits interact with each other. Understanding the legal considerations surrounding these benefits can help individuals make informed decisions about their financial situation.
One common question is whether receiving CPP Disability benefits will reduce the amount of CPP Pension an individual is eligible to receive. The answer to this question depends on the individual’s specific circumstances.
Generally, receiving CPP Disability benefits does not reduce CPP Pension. The CPP Disability benefit is intended to provide financial assistance to individuals who are unable to work due to a severe and prolonged disability. This benefit is separate from CPP Pension, which is available to individuals who have contributed to the Canada Pension Plan throughout their working years.
However, there are situations where receiving CPP Disability benefits can impact CPP Pension. For example, if an individual qualifies for CPP Disability benefits before the age of 65 and decides to receive early CPP Pension, the amount of CPP Pension they receive may be reduced. This is because receiving CPP Disability benefits before the age of 65 can result in a lower CPP retirement pension amount.
Additionally, if an individual receives both CPP Disability benefits and CPP Pension, the combined amount of these benefits cannot exceed a certain maximum amount set by the government. If the combined amount exceeds this maximum, the individual may experience a reduction in their benefits.
It is important for individuals who are receiving or considering applying for CPP Disability and CPP Pension benefits to consult with a legal professional specializing in disability and pension law. They can provide guidance on how these benefits may interact and any potential legal considerations that may apply.
Understanding the legal considerations for CPP Disability and CPP Pension recipients can help individuals make informed decisions about their financial future. By seeking the advice of a legal professional, individuals can ensure that they are receiving the maximum benefits they are entitled to under the law.
Common Challenges Faced by CPP Disability and CPP Pension Recipients
Pension recipients and disability recipients of the CPP face a number of challenges when it comes to receiving their benefits. One of the main challenges is determining whether the CPP disability benefits can reduce the CPP pension.
Many individuals wonder if their CPP disability benefits will reduce the amount of CPP pension they receive. The answer to this question depends on a few factors. Firstly, it depends on the specific details of each individual’s case. The CPP disability benefit is meant to provide income support for individuals who are unable to work due to a severe and prolonged disability. In some cases, the CPP disability benefit may be lower than the CPP pension.
Another challenge faced by CPP disability and pension recipients is the application process. Applying for CPP benefits can be a complex and time-consuming process. It is important to provide all the necessary documents and information to support your claim. This includes medical documentation, employment records, and other relevant information.
Furthermore, CPP disability and pension recipients may face challenges when it comes to managing their finances. The amount of income provided by CPP disability benefits and CPP pensions may not be enough to cover all living expenses. Planning and budgeting are essential to ensure that individuals can meet their financial obligations.
In conclusion, individuals receiving CPP disability benefits and CPP pensions may face challenges in various aspects. It is important to understand the specific details of your case and the impact that CPP disability benefits may have on your CPP pension. Additionally, navigating the application process and managing finances are important considerations for both CPP disability and pension recipients.
Exploring Alternative Financial Support Options for CPP Disability and CPP Pension Recipients
For individuals who are eligible for both CPP Disability and CPP Pension, it is crucial to understand how these two programs interact with each other and what financial support options are available. While CPP Disability and CPP Pension are separate programs, it is important to note that receiving CPP Disability benefits does not automatically reduce CPP Pension.
CPP Disability is a program that provides financial assistance to individuals who have a severe and prolonged disability that prevents them from working. The amount of CPP Disability benefits received is based on the individual’s contributions to the CPP during their working years.
On the other hand, CPP Pension is a program that provides retirement benefits to individuals who have contributed to the CPP throughout their working years. The amount of CPP Pension received is based on the individual’s contributions and the number of years they have contributed to the CPP.
While CPP Disability and CPP Pension are separate programs, there are some instances where receiving CPP Disability benefits can affect CPP Pension. For example, if an individual starts receiving CPP Disability benefits before the age of 65, their CPP Pension may be reduced. This is because CPP Pension is calculated based on the individual’s contributions up until the age of 65, and any CPP Disability benefits received before that age are deducted from the CPP Pension amount.
However, it is important to note that this reduction in CPP Pension is not a complete loss. The amount of CPP Disability benefits received is taken into account when calculating the overall CPP Pension, so the reduction in CPP Pension may be offset by the CPP Disability benefits received.
In addition to CPP Disability and CPP Pension, there may be other financial support options available to individuals with disabilities and retirees. These can include government benefits such as Old Age Security (OAS), Guaranteed Income Supplement (GIS), and provincial disability benefits.
Old Age Security (OAS) is a monthly payment available to individuals aged 65 and older who meet the residency requirements. Guaranteed Income Supplement (GIS) is additional financial assistance provided to low-income OAS recipients. These benefits can provide additional financial support to individuals who are receiving CPP Disability or CPP Pension.
Provincial disability benefits vary by province and can provide additional financial assistance to individuals with disabilities. These benefits are separate from CPP Disability and CPP Pension and may have their own eligibility requirements and application processes.
In conclusion, while receiving CPP Disability benefits does not automatically reduce CPP Pension, there are instances where the two programs can interact. It is important for CPP Disability and CPP Pension recipients to understand these interactions and explore alternative financial support options that may be available, such as Old Age Security, Guaranteed Income Supplement, and provincial disability benefits. Consulting with a financial advisor or contacting the relevant government agencies can provide individuals with the necessary information and assistance in navigating these programs.
Tips for Maximizing CPP Disability and Reducing CPP Pension
Managing your financial situation when dealing with a disability can be challenging. However, there are strategies you can use to maximize your CPP Disability benefits and potentially reduce your CPP Pension. Here are some tips to consider:
1. Apply for CPP Disability benefits as soon as possible:
When you become disabled, it’s important to apply for CPP Disability benefits as soon as possible. This will ensure that you start receiving the benefits you’re entitled to without any unnecessary delays.
2. Provide comprehensive medical documentation:
When applying for CPP Disability benefits, make sure to provide comprehensive and detailed medical documentation. This documentation should clearly outline your disability and its impact on your ability to work. Providing thorough medical evidence will increase your chances of being approved for CPP Disability benefits.
3. Understand the CPP Disability payment calculation:
Take the time to understand how CPP Disability payments are calculated. This way, you can ensure that you’re receiving the maximum amount of benefits that you’re entitled to. Familiarize yourself with the eligibility criteria and information on how CPP Disability payment rates are determined.
4. Consider working part-time within the CPP Disability guidelines:
While receiving CPP Disability benefits, you may be eligible to work and earn income up to a certain limit. By working part-time within these guidelines, you can supplement your disability benefits and potentially reduce the amount of CPP Pension you’re eligible to receive in the future.
5. Stay informed about CPP Pension options:
Once you reach retirement age, it’s important to stay informed about your CPP Pension options. Understand the impact that receiving CPP Disability benefits may have on your CPP Pension. Determine if it’s more beneficial for you to receive CPP Disability benefits until retirement age or if it makes sense to switch to CPP Pension earlier.
By following these tips, you can maximize your CPP Disability benefits and potentially reduce your CPP Pension. It’s important to consult with a financial advisor and stay informed about the specific rules and regulations surrounding CPP Disability and CPP Pension in order to make the best decisions for your individual situation.
Q&A:
Can receiving CPP disability benefits reduce my CPP pension?
No, receiving CPP disability benefits will not reduce your CPP retirement pension. The two benefits are separate and independent of each other.
If I am receiving CPP disability benefits, can I still contribute to my CPP pension?
Yes, even if you are receiving CPP disability benefits, you can still contribute to your CPP pension. Contributing to your CPP pension after you start receiving disability benefits can increase the amount of your future retirement pension.
Will my CPP disability benefits be deducted from my CPP pension when I retire?
No, your CPP disability benefits will not be deducted from your CPP pension when you retire. The two benefits are separate and independent of each other. You will continue to receive your disability benefits until you reach the age of 65, when it will automatically convert to your retirement pension.
Can I receive both CPP disability benefits and a private disability insurance payout?
Yes, you can receive both CPP disability benefits and a private disability insurance payout. The two benefits are separate and independent. However, the private insurance company may reduce your benefits based on what you receive from CPP disability.
I am receiving CPP disability benefits, but my condition has improved. Can I switch to CPP retirement pension instead?
Yes, if your condition has improved and you are no longer eligible for CPP disability benefits, you can switch to CPP retirement pension. You will need to notify Service Canada and they will guide you through the process.
Can receiving CPP disability benefit affect my CPP pension?
Yes, receiving CPP disability benefit can affect your CPP pension. If you are under 65 years old and receiving CPP disability benefit, your pension will be reduced by a set percentage. Once you turn 65, your CPP disability benefit will automatically convert to a CPP retirement pension, and the reduction will no longer apply.
How much will my CPP pension be reduced if I receive CPP disability benefit?
If you are under 65 years old and receiving CPP disability benefit, your pension will be reduced by a set percentage. The exact amount of reduction depends on your years of contributions to CPP and the amount of CPP disability benefit you are receiving. You can contact Service Canada to get an estimate of how much your pension will be reduced.