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A long-term monthly taxable disability benefit. The benefit is paid until the age of 65, when it is then converted automatically to the Québec Pension Plan retirement pension.
The amount of the benefit paid depends on how much and how long you contributed to the Québec Pension Plan. Most people contribute their credits through deductions taken through their employment paycheques. If you are self-employed, you are supposed to be contributing annually if your annual earnings are more than $3500.
If approved, your benefit amount will be based on the amount and length of your contributions. The maximum monthly amount paid to anyone is $1,362.27.
When you are in receipt of QPP-Disability, your dependent children may also be eligible for a fixed benefit amount of $79.46 each per month.
If you are already in receipt of a private insurance LTD benefit, your QPP-Disability amount may be deducted from this benefit amount. You should check with your LTD provider or workplace benefits department prior to applying for QPP Disability benefits.
NOTE:If you are between 60-65 and in receipt of QPP regular pension benefits already, you can still apply for QPP-Disability. If you have been in receipt of the QPP pension less than 15 months and are approved for QPP-Disability, your pension amount will be converted to the QPP Disability amount. If you have been in receipt of the QPP pension for more than 15 months and are approved for QPP-Disability, your regular pension payments will continue plus you will receive a fixed amount of $496.36 per month.
The Application forms for QPP-Disability benefits can be completed on-line, printed and sent by mail. If you would prefer to complete them on paper, you can download them from the website or order paper copies. Your local CLSC or cancer centre may also have paper copies available.
You should apply as soon as you are unable to work. Even if you are applying for EI Sickness Benefits you can apply for QPP-Disability if you expect your inability to be severe and prolonged.
After you Apply
If approved, you are notified by mail. The first payment starts the fourth month from the date you were determined to have become disabled. If you are between the ages of 60-65 and you opt to start your QPP pension benefit during this time, be advised that if approved for QPP-Disability you will have to cancel your pension and re-pay the amount once your QPP begins.
You can volunteer or work minimally (up to $3600 in gross earnings for any consecutive 3-month period) when in receipt of QPP-Disability without it affecting your benefit.