CPP Blog

If you’re suffering from a physical disability because of which you can no longer work, and you have children and a spouse dependent on you, then you most probably will be worried about your wage loss and finding it extremely difficult to financially support your household and pay for your medical treatment. In such a scenario, it is best to apply for CPP disability benefits.

CPP disability benefits insurance program offers disabled individuals living in Canada with financial assistance through Income Replacement Supplements and Disability Tax Credits. In this way, you can achieve financial security and meet your daily financial expenses.

Though this is definitely a program worth applauding, unfortunately it’s not as easy or simple to qualify for these benefits even if you’re eligible. Now if you’ve raised your eyebrow after reading that like many before you, then let us share with you the leading reasons why the qualification process is harder than ever and what can you do to improve your chances of get your CPP disability benefits application approved.

  1. Even those who are eligible are unable to qualify for CPP disability benefits program because the application process is not understood by the applicants that well. They don’t succeed in their first attempt because of the:
  • Unwieldy paperwork
  • Obscure/murky rules
  • Lack of knowledge regarding who to go to for application filing
  • Failure to understand, identify and provide the appropriate employability and medical information
  1. Despite the highest rate of rejection for CPP disability benefits program, the government doesn’t provide quality assistance to the applicants so that they can improve their chances of application approval. If after the first application rejection decision, applicants are provided with detailed written decisions along with a copy of the file and information about the appeal system, including an easy-to-complete application and postage paid envelope, it might become simple for applicants to file an appeal with a high success rate.
  2. Another reason why the Government fails to provide the kind of assistance that we expect from them is the fact that there is a backlog of roughly over 7000 appeals-on-denials of the disability benefits program which are to be heard by the SST (Social Security Tribunal). SST is a body that was established in the year 2013 to streamline the program’s system but unfortunately no improvement in the system can be seen so far. Critics say that SST could have easily cleared this backlog had it managed the process the right way. The lack of management is due to insufficient number of qualified people and significant budget cut down.
  3. One of the leading reasons for high rejection and low approval rate of applications is that Canadian suffering from disabilities have lost some of their legal rights. According to the revised regulations, the new Social Security Tribunal can summarily dismiss any appeal if it’s satisfied that the applicant’s appeal has no chance of success. Besides this, applicants have no rights to plead their disability case directly to the tribunal’s member, while in person hearing is now not a guaranteed right. Furthermore, unlike in the previous system which allowed new evidence to be introduced by the applicant at the 2nd level of the CPP/D appeal, under SST applicants cannot present new evidence/testimony before the Appeal Division.

For these reasons and more, it’s best to work with a CPP disability benefits advocate who has the experience, the understanding of the system and the knowledge regarding the application process and filing, thereby improving your chances of application approval.

Why Hire a Disability Advocate?

Although you can file the claim on your own, it is advisable to hire a disability advocate for the following reasons:

  1. Provide assistance with your CPP (Canada Pension Plan) application filing process. Canada rejects approximately 66% of the initial applications for CPP disability benefits. Therefore it’s important that your case is properly handled in the initial stage so that you qualify and get the benefits that you deserve. This is where an advocate can help. An advocate can walk you through the process of obtaining CPP benefits and even do all the paperwork for you on your behalf.
  2. Increase your chances of success when you apply for CPP benefits initially as they understand the law and how CPP/D applications are evaluated.
  3. Assist with reconsideration and appeals. The advocate can represent you in the reconsideration & appeal in case of a denied claim. They can determine what information may be lacking which may have led to the initial rejection, and accordingly take adequate steps to secure the required documentation.

If you’re looking for a reliable and experienced disability advocate, then get in touch with First Support Professionals. Our goal is to help you gain financial security by building successful applications and assisting you every step of the way, ensuring that you get the maximum amount of benefits that you are entitled for.