Brematson Disability Associates Logo

Canada Pension

Brematson & Associates can represent you at any time throughout the Canada Pension Plan Disability (CPP-D) application process. We are your advisors, your allies and your advocates. Because we have represented hundreds of people just like you, we know the system.  Our knowledge of the CPP Disability program can be used to solidify your application or appeal.

New Applications

  • CPP Disability is a benefit administered by Service Canada that generates a monthly income. Service Canada currently takes 4 – 6 months to reach a determination of eligibility, from the date the application and medical report are received.
  • In order to receive CPP Disability benefits the individual must have paid into the Canada Pension Plan. This is similar to any other pension or insurance plan.
  • The maximum age to apply for the benefit is 65.
  • If you have taken early CPP you can apply for CPP-D but must do so within 15 months of that original application.
  • A person must have a severe and prolonged disability that prevents them from working at any job; this can be a physical or mental health disability.
  • Severe and prolonged means that the impairment has existed for a period of 12 months and will exist for an indeterminate period of time.
  • Should your health improve to the point where you can return to work you may.
  • This benefit is retroactive up to 15 months. The retroactive time period may be longer in an appealed claim where it becomes retroactive to the date of the initial application.
  • CPP Disability benefits are linked to or affect private disability insurance, Workers’ Compensation, and Provincial Social Assistance.


  • Approximately 4 months after Service Canada receives the Request for Reconsideration, the medical adjudicator will make a decision as to your eligibility.
  • In the event your Request for Reconsideration is denied, you can appeal to the Social Security Tribunal – General Division.


  • If the reconsideration is denied, there is a chance to present and state your case again before the Social Security Tribunal – General Division.
  • After a General Division hearing, the Social Security Tribunal member will make a decision on whether the appeal should be allowed.
  • Should the appeal be denied, there is a chance to present and state your case again before the Social Security Tribunal – Appeals Division.
  • Following the Appeals Division hearing, another Social Security Tribunal member will make a final decision on the appeal.

Not sure if you’re eligible?
Contact us today for a free, no-obligation call.