Should I apply for an early retirement pension or disability benefit?
If at the time of applying for an early retirement pension, you have a significant health issue or a disability, you may be eligible to receive a disability benefit if:
- you are under the age of 65;
- you have been receiving your CPP retirement pension for less than 15 months; and
- you have been found disabled, as defined by the CPP legislation, before the effective date of your retirement pension.
If you meet the above criteria and are granted a disability benefit, you must make a written request to cancel your retirement pension in favour of the disability benefit. Any retirement benefits you received must be paid back.
Note: Although you can apply for both retirement and disability benefits you cannot receive both. A retirement pension may be processed and payment received more quickly than a disability benefit. When your retirement pension begins, it does not mean your disability benefit has been denied.
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