An accident can impact your life in a variety of ways; for many individuals, returning to work will no longer be an option due to the nature of their injuries. In this situation, the Canada Pension Plan Disability benefits (CPPD) is a viable option.
Unfortunately, the reality is that many applications for CPPD will often be 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.
First of all, what is CPP? The Canada Pension Plan (CPP) retirement pension is a monthly, taxable benefit that essentially replaces your income after you retire.
The Canada Pension Plan Disability benefit allows you to access this income replacement before retirement age.
The monthly payment is available to you if you meet the necessary requirements. As stated on the Government of Canada’s website, the benefit is available to those:
In order to qualify for the benefit, an individual must meet each of the above requirements.
In order to apply for the benefit, you’ll need to fill out the applications via Service Canada. This should be done on your own as soon as possible – you don’t need a lawyer in order to fill out the application.
As mentioned above, an individual can qualify for CPPD if they suffer from a mental or physical disability that regularly stops them from doing any type of work – in other words, this disability must be serious, indefinite and permanent.
This can include but isn’t limited to: chronic pain, spinal injuries, paralysis, anxiety, and depression – it can also encompass a combination of injuries and/or disabilities.
Just because an individual meets the necessary requirements for CPPD doesn’t mean the benefit is a guarantee.
The main reason as to why you may be denied CPPD benefits is that there is a lack of compelling medical evidence to support the application.
When dealing with an injury, it’s crucial to follow-up with your family doctor and other medical specialists as needed, depending on your injuries. If you neglect to do so, you may not have the medical evidence to back up the nature of your issues, which will therefore impede your application.
Luckily, an initial denial for CPPD isn’t final. After you receive the denial, you have the right to have your CPPD denial reconsidered within 90 days. This first level of appeal is the reconsideration level. If CPPD is denied once again after your reconsideration application, you have the right to appeal to the Social Security Tribunal.
This is where the expertise of a skilled lawyer comes into play.
After you’ve been denied, you should seek the help of a lawyer as soon as possible. With only 90 days to appeal the denial, the clock starts ticking the moment you’ve been denied.
While 90 days seems like a long time, it can fly because of the arrangements that need to be made in order to strengthen your appeal. A lawyer will gather all essential medicals and see if further evidence needs to be requested in order to further your appeal.
Working with a lawyer not only eliminates the stress and guesswork associated with the appeal, it also ensures that your appeal is as strong and accurate as possible.
The basic amount you will be entitled to is $510.85. Depending on how much you have worked and therefore contributed to the CPP, you can receive a higher compensation on top of the basic amount.
If your first appeal falls through, there are additional steps you can take to counter the denial.
You’re entitled to four levels of appeal:
In most cases, you won’t have to take your appeal past the first level, but it’s helpful to mention these additional levels for a big-picture view of the entire process.
There are a lot of factors involved when it comes to making a strong appeal. With the right support, it doesn’t have to be a daunting process.
If you’ve been denied CPPD, we can help you. With the help of our expert lawyers, we have the knowledge and experience to craft an appeal that gets you the benefits you deserve.
We offer free consultations always – if you’re not sure of your options, give us a call. We’d love to chat with you.