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New Post-Retirement Disability Benefit

Effective January 1, 2019, the Government of Canada has added to the Canada Pension Plan (CPP) a Post Retirement Disability Benefits (PRDB) program to give protection to CPP retirement pension recipients. The Canada Pension Plan Disability (CPPD) benefit will not be impacted by the PRDB.

What does this mean?

The new post-retirement disability benefit will provide disability income protection to early retirement pension recipients.

To be eligible for PRDB, a pensioner must:

  • currently receive a CPP retirement pension for more than 15 months;
  • not be eligible for CPPD;
  • be between 60 and 65 years old;
  • have earnings and contributions to meet minimum qualifying period as of January 1, 2019; and
  • suffer from a disability as defined by the CPP legislation, that began after the effective date of their CPP retirement pension payments.

The benefit:

Eligible pensioners will receive a flat rate PRDB of $496.36 for 2019 in addition to their CPP retirement pension.

When does the benefit stop?

The PRDB stops when the earliest of the following events occurs:

  • The person is no longer disabled under the CPP legislation;
  • The person reaches age 65;
  • The person dies

What does this mean at Manulife?

As per the Disability contract, if the PRDB is awarded, it will be an offset from Manulife’s disability benefits. The offset will be the same as a CPPD benefit:

If the member submits a claim for disability benefits where the member has been, or soon will be, in receipt of CPP retirement pension, Manulife may ask the member to either convert to CPPD or apply for PRDB.

Service Canada will contact CPP pensioners who were previously denied for CPPD, to inform them that they may qualify for PRDB.

Glossary of acronyms:

CPP: Canadian Pension Plan

CPPD: Canada Pension Plan Disability

PRDB: Post Retirement Disability Benefits

If you have questions, please contact your Manulife representative.
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