The $1,606 CPP Disability Benefit is a financial support program offered by the Government of Canada to individuals who are unable to work due to a serious and long-term disability. This benefit provides up to $1,606.78 per month (as of 2025) and is designed to help cover basic living expenses for those who meet specific eligibility requirements. To qualify, applicants must have a medical condition that is both severe and prolonged and must have made valid contributions to the Canada Pension Plan (CPP) over a set number of years.
Step 1: Understand the Benefit
The $1,606 CPP Disability Benefit is a taxable monthly payment for those who can no longer work due to a qualifying disability.
The amount varies but can be up to $1,606.78/month based on average payments.
Step 2: Meet the Medical Criteria
Your condition must be:
Severe – Prevents you from doing any gainful employment.
Prolonged – Expected to last at least one year or likely to result in death.
Step 3: Meet CPP Contribution Requirements
You must have contributed to CPP in:
4 of the last 6 years, or
3 of the last 6 years with at least 25 total years of contributions.
Step 4: Prepare Required Documents
Government-issued ID
Completed application form
Medical report completed by your physician or specialist
Proof of CPP contributions (automatically verified if you’ve worked in Canada)
Step 5: Apply for the Benefit
Apply online via My Service Canada Account, or
Submit the paper application to Service Canada by mail.
Step 6: Wait for Review and Decision
Processing can take 3–4 months
If approved, payments are issued monthly and may be retroactive from the date of disability
Step 7: Keep Records and Report Changes
Notify Service Canada if your medical condition improves or if you return to work
Keep copies of your application and correspondence