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Samlet
Lv 4
Samlet asked in Business & FinanceInsurance · 1 decade ago

How much money do you get on long-term disability in Canada?

My husband earns about $52,000 and has recently injured his back. We would like to know what percentage of that the government LTD program would pay, if he doesn't recover. Thanks, Samlet

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  • 1 decade ago
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    2 issues here: A government program is called CPP disability and it depends on the amount of contributions you have been making over a working lifetime. Not on the amount of income he currently receives. If you're husband has made the max contributions since age 18 he may qualify for the monthly max of $1100 to 1300/month - this is taxable income. To qualify for CPP disability to you have to be totally disabled to the extent you are no longer fit to work at any occupation. The degree or criteria used to establish this is based on the extent and severity of your symptoms. Once approved, you could potentially qualify to age 65 at which point your actual CPP pension becomes eligible and the disability ends. The amount you receive at age 65 is not affected by the fact that your husband is no longer working - he will receive the full pension amount if he meets the criteria for severely disabled under the government CPP definition. Good luck

    Source(s): 15 years training and managing disability claims
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