All About CPP Disability Benefits: Questions And AnswersWhat are CPP Disability Benefits? Canada’s CPP Disability Benefits program is designed to help those disabled and unable to work to support themselves and their families. The CPP could be described as the equivalent of the US’s SSI program. However, while the two are very similar, many people find that the CPP is much less flawed than the United States disability programs. Who is eligible? Anyone who has a medical condition that prevents them from working and has made enough contributions to the CPP may be eligible for services. How long does the process take? The application process can take up to four months. However, this process will usually go much faster if you are careful to fill out your application completely and supply Service Canada with all the information or records that they may need to process your application in a timely manner. Are there any special exceptions to the rule? Some applicants applying for pensions benefits may have a different set of rules. Those who are terminally ill will be given special priority and their applications will be reviewed within 48 hours or less. A terminally ill applicant may qualify for other programs such as children’s benefits and death benefits for their families and children. Am I eligible for CPP Disability Benefits? If you are under 65, have stopped work due to disabilities or medical conditions and have contributed to the CPP for at least four out of six years then you may be eligible for pensions benefits. You also must have proof of a prolonged or severe disability that limits your ability to work. How do I apply? To apply, you can visit Service Canada online or have an application sent out by snail mail. Be sure to have all information that you may need handy such as details of your medical condition and personal information such as your birth certificate. Remember that the application process can take up to four months so be sure to fill out your application completely to ensure that you don’t encounter any road blocks which can prolong the application process. |
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The Specifics For Physicians - Why Own-Occupation Disability Insurance?
By Steven Crawford
If you are a physician, most likely an insurance agent has already recommended buying an individual disability insurance policy to you. If you do purchase a disability insurance policy, you have improved your financial situation by protecting your income. It's always better to own a policy than to not own one. However, there is a chance you did not select the most comprehensive disability insurance policy you could have. Think about it, with life insurance there is only one way to collect on a claim.
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By Michael Relvas
The number of companies offering Short-Term Disability insurance for individuals is very limited and not usually very well priced. If you are interested in obtaining a Short-Term Disability policy you should consider the options available by designing a Long-Term Disability policy to fill a short-term need. You could obtain more comprehensive coverage than available with Short-Term Disability and at a very attractive price.
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