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  • Being an Advocate Part II: Conflict and Self Care

    Being an Advocate Part II: Conflict and Self Care
    2026/05/21
    A continuation of episode 15's discussion of being an advocate, covering topics around conflict and self care. Sound quality on Meghan's mic is poor - it's been fixed as much as possible. Apologies! Guest: Linsey, a healthcare worker who has also been a health care advocate for a family member. Feedback: navigatingdisabilitywithme@gmail.com Links: Dr. Kristen Neff: https://self-compassion.org/BCalm: https://bcalm.ca/Family Caregivers of BC - including virtual and support line, art therapy, elder care, workers etc etc: https://www.familycaregiversbc.ca/family-caregiver-support-groups Tips When is it appropriate to push back? This is not about being difficult, this is about protecting the alignment between the patient/client and the care team.Facilitate communication - whether that's a language barrier or a communication difficulty - to be clear about patient/client's values, and help with alignment.Always keep patient/client's values centered!Take time to process new information before pushing back.How do you escalate concerns without alienating the team? This is loaded wording as it's the team's job to look after you. Always remain polite but other than that it is not the patient's family/friends' jobs to tip toe around the care team. The care team should be trying to understand YOU.An example that we're seeing in hospitals in Vancouver is how care teams are shifting to recognize and support indigenous patients with indigenous care teams as part of cultural safety.Most hospitals have spiritual practitioners, language interpreters etc. to facilitate religious or language needs.Share your/your loved one's story with the care team to flesh out who they are and what your concerns are. Stories are powerful! But remember that the care team's time is limited.Share the "why" of your questions to explain where you're coming from.How do you advocate when you feel intimidated by the medical system? Who are the people in the system you could go to? Social worker, nurse, case worker, GP. Start with whoever knows the patient/client the best.For clarity: around minute 22 Linsey refers to "Cerner". That is a type of electronic charting used in the Vancouver region. The electronic chart may not contain everything that was in the patient/client's old paper chart.Stories can reveal important medical details. Advocate for yourself by reading through your own lab results/imaging interpretations. Things do get missed!How can patients with cognitive or communication impairments still have their voice centered? There are many technological advancements but something as simple as writing down a basic alphabet chart (in any language) helps a lot. Patient can point out letters, or to "Yes" and "No".Occupational Therapy and Speech and Language Pathologists can help with technologies or strategies. iPad interpreters are in hospitals now, with well over 100 languages available.How should families handle situations where the patient's wishes conflict with what the team recommends? There's usually time given after plans are discussed, for everyone to process and ask questions. Ethics teams exist for when the care team's recommendations conflict with the patient/advocates wishes (if they can't come to a resolution together), but they are a last resort (before the courts). Care teams will try to resolve conflict without turning to boards/courts.Get your wishes down on paper (a representation agreement etc.) to help navigate conflict (but also make sure you discuss your wishes with your family/friends/advocate).How do you balance being a supportive advocate versus taking over? Center the patient/client! Advocacy can slip into control, due to fear. Watch yourself, as the advocate. "Am I amplifying my grandma's voice or am I replacing it with my fears?"Hospitals are becoming more respectful of language and cultural needs. Just ask about what you want to do, you will likely be welcomed to do any practice etc.Any financial barriers? Just ask the social worker! They'll have access to all sorts of resources and programs.Public Guardians are in use if a patient/client has no family or friends to act as advocate. This is largely for financial matters. They usually leave medical decisions to the care team.What was hardest about being the family instead of the professional? Linsey's response was masking her own fear, making decisions quickly, dealing with so many family members, wondering if she was doing the right thing according to her family member's wishes.Build your own resilience with rest/sleep, eating well, seeing friends, doing something else etc.What signs of burnout should families watch for? Emotional: irritability, short tempered, numb, teariness. Physical: exhaustion, headaches, getting colds etc. Relational: shortness with family/loved ones, withdrawing. Pay attention to if a good friend points out issues with how you're behaving.Look into Dr Kristen Neff's (University of Texas at Austin) work on self compassion. Treat yourself ...
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    49 分
  • Episode 15: Advocating for Family (with guest Linsey)

    Episode 15: Advocating for Family (with guest Linsey)
    2026/04/13

    Summary: A rambling conversation with Linsey about the challenges, both emotional and systemic, of being an advocate for a loved one who becomes ill or disabled.

    Guest: Linsey, a healthcare worker who has also been a health care advocate for a family member.

    Feedback: navigatingdisabilitywithme@gmail.com

    Notes:

    1. How do many families feel when facing being an advocate? Family members want to provide love and safety so they may feel anxious and vulnerable, or feel out of control. They're being asked to make important decisions for a loved one when they are in shock themselves.
    2. Write things down - team meetings, updates from staff etc.
    3. Take time to process new information but also don't hesitate to ask questions.
    4. Most hospitals/organizations will ask you to appoint one person as the advocate/decision maker.
    5. How do you think one should go about selecting an advocate? What values should they have and what discussions should you have with them ahead of time? Is a medical professional necessarily the person to choose?
    6. If you can select an advocate ahead of time make sure they share your values. Are they strong under pressure? Do they have good communication skills? Are they able to ask questions and stand up for you? Medical knowledge is a plus but not a necessity. Ask yourself how does this person emotionally regulate? Can they stay grounded when stressed?
    7. Advance directives/living wills can be temporarily overridden or delayed by grieving families. Which is why you need a grounded advocate with good communication skills to look out for your wishes.
    8. Talk to your family/advocate about your values and wishes!
    9. As a health care worker, what do you wish families understood about our health care system?The system is stretched and it's imperfect. Both money and practitioners are stretched thin.
    10. Gaps are not intentional - whether it's in care or communication. Practitioners are doing the best they can.
    11. Families often have to ask the same question more than once due to the fragmented system. Try to not get frustrated!
    12. It's not fair but families and clients have to be patient and polite. Remember that staff often feel like their hands are tied in being more effective due to workload.
    13. As a granddaughter, what surprised you about how the system actually feels?
    14. Waiting for things feels like it takes forever. The impact of emotion is so much bigger when it's your family member. There's a struggle with what the outcome will be. It's hard to let go of staying at her bedside overnight when you know all the steps that must be taken for high quality of care, to trust that they'll all be done.
    15. What did you think you knew professionally that turned out to be incomplete when it was your own family?
    16. You understand the process but it's exhausting to live through the emotional impact. Big time decision fatigue. Gave new understanding of why family/advocates need time to make decisions. Surprised by how much support other family members would need. The stamina needed was significant. The experience built empathy for patients and families.
    17. The importance of trauma informed care became obvious. Frankly all people/professions could benefit from trauma informed care training
    18. What are common mistakes families make when advocating?
    19. It's the care team's job to lead and react, not the family's job to be "easy". But don't wait too long to speak up with questions and concerns! Always be polite and non-aggressive. The team knows that the aggression/yelling etc. is from a place of fear and loss of control, however, it makes a tense situation worse.
    20. Any aggression is flagged and all team members are made aware, so don't get yourself flagged this way.
    21. Look out for yourself through all this: sleep, food, sunshine etc. Talk to someone about what you're going through.
    22. Look to the social worker for help on emotional but also practical issues.
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    35 分
  • Episode 14 - Canada Disability Benefits, Credits and Rebates

    Episode 14 - Canada Disability Benefits, Credits and Rebates
    2026/03/29

    Summary: A review of some of the remaining federal programs for disabled people: the Canada Disability Benefit and the Canada Caregiver Tax Credit, as well as the GST/HST rebate. Actual topic starts at 10:06 post all sorts of chat on various topics.

    Feedback: navigatingdisabilitywithme@gmail.com

    Links:

    1. Tody app: https://apps.apple.com/ca/app/tody/id595339588
    2. Canada Disability Benefit
      1. Apply online: https://www.canada.ca/en/services/benefits/disability/canada-disability-benefit/apply.html#h2.2
      2. Calculator: https://www.canada.ca/en/services/benefits/disability/canada-disability-benefit/amount.html#h2.5
    3. Canada Caregiver Tax Credit:
      https://www.canada.ca/en/revenue-agency/services/tax/individuals/topics/about-your-tax-return/tax-return/completing-a-tax-return/deductions-credits-expenses/canada-caregiver-amount.html
    4. GST/HST tax refund:
      https://www.canada.ca/en/revenue-agency/services/child-family-benefits/goods-services-tax-harmonized-sales-tax-gst-hst-credit.html
    5. North Shore Disability Resource Centre resource guide for a good list of all federal benefit/tax programs: https://nsdrc.org/resource-guide/

    Tips:

    1. Canada Disability Benefit: In Canada, over 1.5 million people with disabilities lived below the poverty line in 2022, representing 1 in 6 people with disabilities. This benefit is supposed to help lift disabled people out of poverty.
    2. The official poverty line is a set of 66 different thresholds based on the Market Basket Measure which determines the cost of a basic modest standard of living. Calculated to be approximately $2000-$4300/month, depending on where you live in Canada.
    3. These "poverty lines" are often not very realistic as compared to actual cost of living.
    4. Maximum income to get full benefit of $200/month is $23000 for a single person and $32500 for a couple.
    5. If you're working they give an exemption for the first $10000 for a single or $14000 for a couple of income.
    6. For 2025-2026 if you make more than this you won't qualify for the CDB:
      • Single Individual:
        • $35,000 or more (if you have no working income).
        • $45,000 or more (if you have at least $10,000 in working income, utilizing the maximum exemption).
      • Couple (Only one person eligible for CDB):
        • $44,500 or more (if no working income).
        • $58,500 or more (if you have at least $14,000 in combined working income).
      • Couple (Both eligible for CDB):
        • $56,500 or more (if no working income).
        • $70,500 or more (if you have at least $14,000 in combined working income).
    7. Qualifying: must have the DTC, have filed tax returns and have Canadian residency.
    8. There can be back payments of up to 24 months
    9. Wouldn't it be nice if the federal government just had one central application for all disability benefits???
    10. Canada Caregiver Tax Credit is a non-refundable tax credit.
    11. Who qualifies: Caregivers supporting a spouse, child, grandchild, parent, grandparent, sibling, aunt, uncle, niece, or nephew with an impairment.
    12. Amount varies based on who you're supporting and how old they are. For 2025, you can claim anywhere from $2687 plus an additional $8601 depending on household circumstances. Varies if the dependant is a child vs and adult dependent vs a spouse. (Actual dollar amounts cut from episode as it was too confusing).
    13. The CRA may require a signed statement from a medical professional confirming the impairment.
    14. GST/HST refund - not disability specific but low income. A federal tax-free quarterly payment that helps individuals and families with low or modest incomes offset some of the GST or HST they pay. Eligibility is determined automatically each year when you file your tax return.
    15. North Shore Disability Resource Centre has a good resource guide of all federal benefit/tax programs. Look for similar in your city.
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    36 分
  • Episode 13: RDSP with Guest Kelsey

    Episode 13: RDSP with Guest Kelsey
    2026/03/08
    Episode 13: Registered Disability Savings Plan - with Kelsey Summary: A review of the Registered Disability Savings Plan. Guest: Kelsey, a Financial Advisor. Feedback: navigatingdisabilitywithme@gmail.com Links: Government RDSP site: https://www.canada.ca/en/employment-social-development/programs/disability/savings.htmlGovernment calculator for RDSP grants and bonds: https://www.canada.ca/en/employment-social-development/programs/disability/savings/how-much.htmlGovernment's How to Apply (and list of RDSP familiar banks etc.): https://www.canada.ca/en/employment-social-development/programs/disability/savings/apply.htmlBenefits Wayfinder for Canadian disability benefits (not mentioned in episode but relevant here): https://benefitswayfinder.org/ Tips: The Registered Disability Savings Plan (RDSP) is a long-term savings plan to help people with disabilities who are approved for the Disability Tax Credit save for the future. When you open a plan, you may also get grants and bonds from the Government of Canada to help with your long-term savings.You must get the Disability Tax Credit first, to open an RDSP.The plan beneficiary is the person who is approved for the Disability Tax Credit that will receive the money in the future. The plan holder is the person or organization who opens and manages the plan. The beneficiary and holder can be the same or different people.A parent or grandparent (or other adult) can open an RDSP for a child or adult, who is not contractually competent.The beneficiary must have a social insurance number, be a Canadian resident, be under 59 years of age as of Dec 31 of that year, and be approved for the DTC.Grants & bonds: Apply for grants and bonds when opening the plan.No grants or bonds past the year you turn 49, but you can benefit from the tax shelter (but you also have other options such as RRSP or TFSA).Grants:How much they will give you depends on your family income and the amount you contributeDepending on your family income/tax bracket: minimum grant is 1:1 matching, up to 3:1 matchingto get the maximum amount of grant, you need to contribute $1,500 in the yearyou could receive up to $3,500 in matching grantYou can contribute more but won't get any more grant You can contribute, and earn grants, retroactively to the date your doctor documented your disability on your DTC. Maximum of 10 years retroactively. Bonds are for modest to low income people.No contribution is necessary to get the bond.Max bond is $1000, to a total lifetime maximum of $20000In 2025: Family income under $37487 full bond eligibleFamily income between $37487 to $57375 partial bond eligible The government will send you a letter around February every year that tells you how to maximize your contributions and grants/bonds.Government will not do retroactive grants and bonds after you turn 50.Can contribute up to and including the year you turn 59Can only receive matching grants and bonds til the year you turn 49 (inclusive).Lifetime limit of $200 000 total deposited into your RDSP.You cannot immediately withdraw these grants and bonds.Contribute whatever you can to even get partial grants.Anyone can contribute: friends, family etc., as long as they have the plan holder's permission.Open a plan with a financial organization. An RDSP can be opened at a bank, an investment firm (financial planner) or a credit union that offers the plan, including a long list of institutions on Canada.caThe RDSP is essentially a "shell" for any sort of investment. What sorts of investments?: Mutual funds, GICs, ETFs, stocks, HISA, etc for example.Whichever advisor or bank is opening/holding your RDSP needs to be familiar with the RDSP and how grants and bonds work.When you can withdraw etc.: Regular withdrawals from a plan must begin by December 31 of the year you turn 60.If you want to withdraw savings sooner (within ten years of last grant/bond), you may need to pay back some grant and bond amounts when you make a withdrawal ("assistance hold back amount").Exception is if you are deemed to have 5 years or less to live (there are government rules around this). Things then become more flexible as a "Specified Disability Savings Plan".Grants, bonds and interest earned will be taxed, your original contributions won't be.Can impact provincial benefits (per Canada.ca: QC, NB, PEI). In BC for Person with Disability (PWD) your RDSP is NOT part of your $100 000 asset limit.
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    35 分
  • Episode 12: Disability Tax Credit (DTC)

    Episode 12: Disability Tax Credit (DTC)
    2026/03/02
    Episode 12 - Disability Tax Credit Summary: A review of the Disability Tax Credit (DTC) and all its benefits. Feedback: navigatingdisabilitywithme@gmail.com Links: Government main page for DTC: https://www.canada.ca/en/revenue-agency/services/tax/individuals/segments/tax-credits-deductions-persons-disabilities/disability-tax-credit.htmlService Canada My Account: https://www.canada.ca/en/employment-social-development/services/my-account.html Government Disability Benefits Navigation Services - has federal and provincial resources: https://www.canada.ca/en/employment-social-development/programs/social-development-partnerships/disabilities/organizations-benefits.htmlCanada Benefits Finder: https://www.canada.ca/en/services/benefits/finder.html Disability Alliance of BC DTC Handbook - help with applying and appeals: https://mydtc.dabc.ca Inclusion Canada - for people with intellectual disabilities: https://www.inclusioncanada.ca/page/disability-tax-credit North Shore Disability Resource Centre: https://nsdrc.org/resource-guide/#fa Scroll down the resources page to the tax section.Federal government list of organizations that help with navigating disability benefits: https://www.canada.ca/en/employment-social-development/programs/social-development-partnerships/disabilities/organizations-benefits.htmlDTC Advocates - not mentioned in the podcast, found by Kelsey afterwards so added here: https://www.dtcadvocates.ca/ Tips: The Disability Tax Credit (DTC) is a non-refundable tax credit. The DTC helps reduce the income tax that people with physical or mental impairments, or their supporting family members, may have to pay. It aims to offset some of the costs related to the impairment. It is NOT an automatic cash refund, it readjusts your taxes.The DTC is also useful as it opens up access to several other federal programs to your application. This includes the RDSP, the Canadian Dental Benefit, the Canadian Disability Benefit etc.It's retroactive to the first date of your disability, as noted by your doctor/practitioner. Your taxes will be readjusted once your DTC is approved, in your CRA account.There are paper and online options to apply for the DTC.Look for a local advocacy group that can help with filling the application in. For example the North Shore Disability Resource Centre can help for free. Call 604-985-5371,You must fill in the patient portion (A), a medical practitioner (MD or Nurse Practitioner) must fill in the other portion (B) There's a list explaining which medical practitioner is relevant to which type of disability.9 categories of disability (walking, mental functions, dressing, feeding, eliminating, sight, hearing, life sustaining therapy) - you must be: severely and prolonged-ly impaired in 1, or have significant limitations in 2 or more categories, or receive therapy to support a vital function CRA has videos, on the pages for each type of disability, to help explain qualifyingMedical practitioner may charge to fill in the DTC application Keep receipts for all these fees (along with drugs, dental, RMT massage etc.) to submit with your taxes. List of what's eligible on CRA website. Your GP may not understand the DTC or may not know enough about your situation to know that you qualify. So make notes for your doctor. Flag the relevant sections with how they apply to you.Many people may not know that they qualify for the DTC. For example some diabetics could qualify under "life sustaining therapy".High success (acceptance) rate for DTC: 96.6% of completed and submitted applications.Only about ¼ of people eligible for the DTC submit an application.76% of online applications are never finished.Keep paying your taxes as before until you are officially accepted for the DTC. The CRA will go back and adjust your taxes.Stated processing time is currently 10 weeks (as of Feb 2026).Wouldn't it be nice if we could have one federal application for DTC, CPPD, CDB etc.?Specialist filling in the DTC form may need to get documentation from GP/NP for confirmation of start of disability.See your doctor or NP regularly to make sure your disability and health are documented.The additional federal programs that the DTC opens you to must be applied for separately. Ex: RDSP, CDB, Canadian Dental Benefit etc. You are not automatically accepted to these.Registered Disability Savings Plan (RDSP) episode coming up with a financial planner.Be careful of people or companies who claim to help you with applying for these benefits. Many charge significant fees. CBC article: https://www.cbc.ca/news/canada/british-columbia/companies-charging-for-disability-benefit-assistance-1.7569518 Balance wait time, cost and skill level when using any organization for help with applications.
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    36 分
  • Episode 11: Provincial Financial Support Programs

    Episode 11: Provincial Financial Support Programs
    2026/02/14
    Provincial Financial Support Programs (PWD) A brief review of the provincial/territorial financial assistance programs, focussing on British Columbia. Please note that we found more information about the Person with Disabilities Medical Services Only program after we recorded. See link #10 below. Feedback: navigatingdisabilitywithme@gmail.com Links: BC Person with Disabilities (PWD government site): https://www2.gov.bc.ca/gov/content/family-social-supports/services-for-people-with-disabilities/disability-assistance How to contact the BC Ministry re PWD: https://www2.gov.bc.ca/gov/content/family-social-supports/income-assistance/access-services Disability Alliance of BC (DABC): http://www.disabilityalliancebc.org DABC PWD help/worksheets: https://disabilityalliancebc.org/publications/publications-bc-disability-benefits-help-sheets/ Ask an Advocate: https://askanadvocate.ca/assistance-programs/disability-assistance/person-with-disabilities-pwd/Sleepytime podcast: https://open.spotify.com/show/6wegpF4BHu5dQG7sTg1Cz9?si=2ET6PUfbSAeIc42RGq14jwExemptions from B.C.'s PWD asset calculation: https://www2.gov.bc.ca/gov/content/governments/policies-for-government/bcea-policy-and-procedure-manual/eligibility/assets-and-exemptionsSPARC (Disabled parking pass): https://www.sparc.bc.ca/BC Ferries Accessibility Discount: https://www.bcferries.com/accessibilityMedical Services Only - This is information found AFTER we recorded. https://www2.gov.bc.ca/gov/content/governments/policies-for-government/bcea-policy-and-procedure-manual/health-supplements-and-programs/medical-services-only Tips: All provinces and territories have provincially based financial assistance programs for disabled people. In B.C. it's called Person with Disabilities (PWD).Reach out to an advocate for help with applying - DABC etc.Reach out to a financial planner. Look for someone with knowledge of PWD/CPPD/RDSP etc.The benefit varies greatly across provinces and territories. There are different benefits and coverages too - housing supplements, nutritional supplements etc.There are caps on income if you're receiving this benefit. How much you're allowed to earn varies across Canada. BC PWD specific tips Long term disability may be your biggest contributor to your income as compared to PWD.PWD is not strictly additive to CPPD - there may be a cap to your total income. You CAN collect both but it's likely that some or all money from one of the programs could be clawed back,PWD comes with additional benefits such as extended medical benefits, transit pass/transportation supplement, nutritional supplement, guide dog supplement etc.Disability Alliance of BC has lots of info sheets and work sheets about PWD (see links above).Financial qualification, generally for PWD: asset total allowance $100 000 for a single person. Primary residence, one car, basic household items value exempt, some trusts exempt, RDSP exempt. For a couple (with BOTH people on PWD) it's $200 000. With children, or other circumstances, rules vary.BC says if you're around (slightly above) these marks to apply anyway as you may soon drop below the threshold.Per Gov.bc.ca the RESP is exempt from the asset calculation (looked up post recording).Health and disability qualifications: 1) Have a physical or mental disability that significantly restricts your ability to perform daily living activities. And 2) Must need the help of a person, device or animal for the activities of daily living.The form: Section for you to fill in, then a Doctor/Nurse Practitioner section, then an "Assessor" - a medical professional of some sort (there's a list).If your application is accepted, there may be a review every couple of years.If you're already on CPPD there is an accelerated form for PWD. PWD may open doors to applying for other programs such as SPARC (disabled parking pass), ICBC, BC Ferries etc. CPPD also is usually accepted as proof of disability wherever PWD is accepted.Some private companies like Telus accept PWD to get their disabled discounts. CPPD is also usually accepted.Medical Services Only: VERY UNCLEAR TO US! No financial benefit as other income too high but gets PWD designation and the additional benefits such as medical benefits, housing supplements, guide dog supplement, transportation supplement etc. Note that we found more information on this AFTER we recorded (see link #10 above).You must apply for Income Assistance then mark Persons with Disabilities.The Ministry should then contact you, assess you and then send you an application. Usually takes 2-6 months to get accepted. You can appeal if you're rejected (do so quickly). Keep a copy of your PWD acceptance letter as you'll need it to apply for many other programs and discounts.
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    37 分
  • Episode 10: CPP-D Part 3 - The Appeals Process

    Episode 10: CPP-D Part 3 - The Appeals Process
    2026/02/01

    The Appeals - CPP D part 3

    Lots of banter at the start! Episode (on topic information) starts at 7:40 mark.

    Feedback: navigatingdisabilitywithme@gmail.com

    Links:

    1. CPP Benefits - Request a reconsideration: https://www.canada.ca/en/services/benefits/publicpensions/cpp/request-reconsideration.html
    2. Social Security Tribunal CPP-D Appeals Process at a Glance (this has the algorithm we keep talking about): https://www.sst-tss.gc.ca/en/your-appeal/canada-pension-plan-disability-appeals-process-glance
    3. Disability Alliance of BC: www.disabilityalliancebc.org
    4. North Shore Disability Resource Centre: www.nsdrc.org
    5. My Service Canada sign in: https://www.canada.ca/en/employment-social-development/services/my-account.html

    Tips:

    1. Expect to be rejected on your first application as only 40-45% of people are approved for CPP-D on their first try. Don't let this stop you!
    2. With every step of the appeals process a significant percentage of people get approved.
    3. Top reasons for rejection: Disability is not deemed "severe or prolonged", Insufficient medical evidence, Failure to meet CPP contribution requirements, Late application, Incomplete application.
    4. Social Security Tribunal CPP-D Appeals Process at a Glance (link above) walks you through the entire appeals process, with timelines.
    5. First appeal (step 1) is within Service Canada/CPPD itself. 40% of people who are rejected pursue this step. 35% of those who appeal to Service Canada are then approved.
    6. Second appeal must be done within 90 days of Service Canada refusing your first appeal. This is the Appeal to the General Division of the Social Security Tribunal. 45% of people who fail their first appeal will move to this step. This step (step 2) can take over a year. 65% of those who go to the Social Security Tribunal were approved for CPPD. Another 45% are successful after appealing the rejection of the Social Security Tribunal (step 3).
    7. If you're refused CPPD after working through all the steps at the Social Security Tribunal the last step is to take it to court.
    8. Reach out to disability advocates such as The Disability Alliance of BC or The North Shore Resources Centre (or whatever is local to you). Many have mentors who can help walk you through applications and appeals.
    9. My Service Canada (sign in to your account) has a calculator for how much you're likely to be paid on CPPD.
    10. Your CPPD is likely to be clawed back by any long term disability benefit you're receiving. Remember that the protection of your pension, the endorsement by the federal government of canada as a disabled person, and many other benefits still make this worthwhile to pursue.
    11. CPPD is taxable. Ask them to take taxes off (in My Service Canada), or save the money to pay back at tax time.
    12. There are small increases in CPPD annually for inflation (like 2%).
    13. You are expected to stay on CPPD unless a very significant change/improvement happens to your health.
    14. For 2025 you could earn $7600 in extra income (not including LTD).
    15. You must tell the government about any work/schooling/volunteering that goes on for more than 15 hours/week for more than 4 months.
    16. You must inform the government of changes in personal life such as changes with children, as you are likely getting a CPPD benefit for each child.
    17. When you turn 65 CPPD turns automatically into a regular CPP pension. The amount you receive will change.
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    31 分
  • Episode 9: CPP-D Part 2 - Fun with Forms (The Application)

    Episode 9: CPP-D Part 2 - Fun with Forms (The Application)
    2026/01/17
    Fun with Forms: The Application Form CPP-D part 2 where we go page by page through the Canadian Pension Plan Disability application form! Feedback: navigatingdisabilitywithme@gmail.com Links: Canada.ca - this is where you apply online but it's tricky to find the forms. Go to Pensions/CPP link, not Disability Benefit (that takes you to the Canadian Disability Benefit, the $200/month benefit for very low income Canadians, not to CPP-D). Scroll down to Disability sectionHere you'll end up going in a bit of a loop because if you hit "Apply" it'll loop you back to the main page. So hit "SIgn in to MSCA" button in upper rightSign into (or register) your My Service Canada Account (MSCA). Need SIN/ability to sign in with bank etc. In BC and AB you can sign in with the provincial "card" (BC Services Card) Or can do the paper application. Either: ISP 1151 if disabled https://www.canada.ca/en/services/benefits/publicpensions/cpp-disability-benefit/apply.html or ISP 2530A if terminally ill https://catalogue.servicecanada.gc.ca/apps/EForms/pdf/en/ISP-2530A.pdf Doctor/PCP completes separate medical form ISP 2519 if disabled https://catalogue.servicecanada.gc.ca/apps/EForms/pdf/en/ISP-2519.pdfISP 2530B if terminally ill https://catalogue.servicecanada.gc.ca/apps/EForms/pdf/en/ISP-2530B.pdf Even if doing an online application you must do a paper consent form, link is on the first page of the application website. https://catalogue.servicecanada.gc.ca/apps/EForms/pdf/en/ISP-2502.pdf Tips: 3 conditions must be met to qualify for CPP-D: Must be under the age of 65Must have made the minimum contributions to CPPMust have a mental or physical health condition/s that prevents you from regularly working any job. Must be severe and prolonged. Separate forms for terminal illness (see above in Links sections).Patient section (what we're talking about today) and Medical Form (to be filled in by doctor/primary care provider).Service Canada will pay $85 to medical professional filling the medical form in, you're responsible for the balance to the doctor of whatever they charge for the form. Don't wait for the doctor to have completed their form to send in yours.Quebec Pension Plan - separate but similar. Link on application page. This could impact you even if you no longer live there.Save your work as you go! It may disappear on you if you don't save frequently.There are regional offices for sending your paper form/consent form to. Addresses listed in the application form.Even if doing the online application you must do a paper consent form, link is on the first page of application website. https://catalogue.servicecanada.gc.ca/apps/EForms/pdf/en/ISP-2502.pdf Pace yourself, this took Meghan 5 weeks with breaks. Paper application is 28 pages. Can add extra pages. Fill in SIN at the top of every page.There's a checklist at the end of the application. Consider following it as you go through.Consider having a friend read through your finished application to make sure it's complete, clear and accurate.Send copies of any documentation you're sending in.Keep copies or screenshots of your completed application for your own records.Consider sending paper application in by registered mail for security and reassurance of receival.Questionaire: Basic personal info, time to callContributions to CPPMarital status questions Foreign work questionsChildren - very important as they seem to prioritize those with kids. Emphasize that you have kids every time you talk to Service Canada.Primary Care giver questions, family allowance questions etc as mentioned in Ep 8Asks about medical and physical status, specific tests, dates, locations, doctors. GP/PCP may be able to help with these details in your chart.Asks about specific meds, doses, treatments, outcomes etc.Asks about disability benefits you're already receiving. You must allow your LTD company (or whoever else is paying you) to communicate with Service Canada or that may impact your application.Allow for authorization for your LTD company to communicate with and send your medical info fto Service Canada.Reimbursement of benefits to insurance company - very important to allow this or you could be left with a big tax bill if Service Canada gives you a big back payment. This money would then include a backpayment to your insurance company. If it doesn't go straight to the insurance company then you will have to pay tax on the giant lump sum!A 4 page quiz (Functional Assessment) about tasks and how well you can do them. Important point - answer these as though it's your worst day. Rated on a scale. Use the essay sections! Look at the examples.Doctor/PCP questions - dates, reasons, other specialists with first and last dates.Asks about working history and employer - job titles, duties, datesEI questionsEducation and job trainingChildren - benefits, parenting time etc. You get a top up on CPPD for each child. Asks for details of each childRules around volunteering, working or attending...
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