Disability Pension

(These pages are being re-written and will be updated shortly. Until updated, the text may not be accurate)

You are eligible for a disability pension if…

  • you have at least 17,500 hours of pension credit, and
  • you are entitled to a disability pension under the Canada Pension Plan, and
  • you have been totally and permanently disabled, without interruption, for at least 6 months, and
  • you are under the age of 65.

Your disability pension is equal to the pension that you earned up to the date you became disabled. The disability pension is not reduced on account of its early commencement (before age 65). However, it is adjusted to reflect the form of payment you choose.

You will continue to receive your disability pension…

…as long as you continue to be classified as totally and permanently disabled. You may be required from time to time to provide proof of continued disability, at most once a year.

If you are able to return to work before age 65, you can earn additional pension. Once you retire, the pension earned up to the date you became totally and permanently disabled is added to any pension you earned after the date you returned to work.

If you do not have the 17,500 hours of pension credit needed to qualify for a disability pension…

…you can voluntarily terminate your active status in the Plan any time after becoming totally and permanently disabled. (You won’t have to terminate membership in the union.) You may then apply to transfer your entitlements out of the Plan.