How does CPP Disability back pay work in Canada?
When CPP-D is approved, Service Canada pays retroactive benefits for the months you were eligible but not yet paid. Payments begin the fourth month after your onset date, and retroactive pay is capped at a maximum of 12 months before approval.
What is the CPP-D waiting period?
CPP Disability benefits are payable starting the fourth month after the month you are deemed disabled. The first three months are not paid, which reduces your back pay.
How much retroactive CPP-D can I get?
At most 12 months of retroactive payments. Even if your disability began years earlier, CPP-D limits the retroactive period to 12 months before your benefit is approved (subject to the 4-month waiting period).
How does Canadian back pay compare to US SSDI back pay?
CPP-D uses a 4-month waiting period and a 12-month retroactive cap. US SSDI uses a longer 5-month waiting period but can also pay up to 12 retroactive months before the application. Both pay a lump sum on approval.