An accident can impact your life in many ways. For some, returning to work isn’t an option due to serious injuries. In this situation, Canada Pension Plan (CPP) Disability benefits may offer crucial financial support.

Unfortunately, many CPP Disability applications are denied.

A denial can feel incredibly disheartening, and leave you questioning your next steps. Today, we’re going to discuss the specifics surrounding CPPD, and what to do after you’ve been denied.

What Is CPP Disability?

The Canada Pension Plan (CPP) provides a monthly, taxable benefit that replaces income after retirement. If you’re under 65 and have a serious disability that prevents you from working, you may qualify for CPP Disability before retirement.

To be eligible, you must:

• Be under 65 years of age;
• Have made sufficient CPP contributions;
• Have a long-term, indefinite, or potentially terminal physical or mental disability; and
• Be unable to perform any substantially gainful work.

Applications are submitted through Service Canada, and although you don’t need a lawyer to apply, a lawyer can offer insightful tips if complications arise.

What Disabilities Qualify?

You may be eligible if you have a mental or physical disability that severely and regularly limits your ability to work. This includes (but isn’t limited to):

• Chronic pain
• Spinal injuries or paralysis
• Depression, anxiety, PTSD
• Complex or combined conditions

It’s essential that your condition is well documented and long-lasting.

Why Are CPP Disability Benefits Often Denied?

The most common reason why benefits are denied is due to lack of strong medical evidence. Even if you qualify on paper, without detailed, up-to-date records, your claim may still be rejected.

To build a strong file:

• Stay in regular contact with your family doctor and specialists.
• Ask for detailed reports describing how your condition limits your daily functioning.
• Consider keeping a symptom diary or statements from caregivers.

If You’ve Been Denied CPPD: What Next?

You have 90 days from the date of your denial letter to request a Reconsideration from Service Canada. This is the first appeal stage and must be submitted in writing.

You’re entitled to the following processes:

1. Reconsideration – File with Service Canada
2. File with Social Security Tribunal – General Division
3. File with Social Security Tribunal – Appeal Division
4. Ask Court for Judicial Review – File with Federal Court or Federal Court of Appeal

Most cases don’t reach the higher levels but knowing your options matters.

Why Work With a Lawyer?

Although you can appeal on your own, a lawyer can:

• Help identify errors in the original decision;
• Collect additional medical evidence or expert opinions;
• Ensure timelines are met and legal arguments are clear.

With only 90 days to file your reconsideration, the clock is ticking. Early legal advice can make a big difference.

Facing a CPPD Denial? We Can Help

A denial can be frustrating, but you don’t have to go through it alone. We know the system and we know how to help.

Call us at (905) 595-2225 or contact us online for a free consultation. Let’s talk about your next step and get you the support you deserve.

FAQs

Do I need a lawyer to appeal?

Not legally – but having one improves your chances, especially for complex or denied cases.

Can I work part-time and still qualify?

Possibly, depending on your income and medical evidence. Each case is assessed individually.

What happens at the Tribunal hearing?

You may be asked to explain how your disability affects your daily life. A representative can speak on your behalf.