CPP Disability Supplement Rising In 2025 – What Your New Benefits Will Be
In 2025, the Canada Pension Plan (CPP) disability benefit continues its upward adjustment, offering crucial financial support to individuals who are unable to work due to significant disability.
With updates to both the maximum and average monthly amounts—as well as accompanying children’s benefits—this increase aligns with cost‑of‑living indexing and the CPP Enhancement program.
2025 Benefit Overview: Maximum and Average Monthly Payments
| Benefit Type | 2025 Maximum Monthly Amount | 2025 Average Monthly Amount |
|---|---|---|
| CPP Disability Benefit (Under Age 65) | $1,673.24 | $1,538.67 |
| CPP Post-Retirement Disability Benefit (60–65) | $598.49 | (Fixed amount) |
| CPP Disability Children’s Benefit | $301.77 per child | — |
- The maximum CPP disability benefit for individuals under age 65 has increased to $1,673.24/month.
- The average monthly benefit paid in 2025 is approximately $1,538.67 .
- The CPP post-retirement disability benefit (for those between 60–65 who already receive CPP retirement pension or become disabled after its start) remains at $598.49/month .
- Additionally, the children’s benefit, paid to the custodial parent of children under 18 (and extended to full-time students up to age 25), is $301.77/month per child.
What Determines Your Benefit Amount?
- Flat Base Rate: In 2025, the flat base portion is $598.49/month
- Contribution-Based Portion: The remainder up to the maximum depends on how much you contributed to CPP during your working life .
- Indexation: These amounts are periodically adjusted for inflation to ensure that the benefit retains its real value.
Eligibility Criteria: Who Qualifies for CPP Disability?
To be eligible for the CPP Disability Benefit, you must:
- Be under age 65 (or 60–65 for post-retirement disability) .
- Have made sufficient CPP contributions—generally, contributions in 4 of the last 6 years, or 3 of the last 5 years if you have 25 or more years of contributions.
- Have a severe and prolonged disability that regularly stops you from pursuing any substantially gainful work .
Application Timeline & Conversion to Retirement Pension
- When you turn 65, the disability benefit automatically converts to a CPP retirement pension, which is typically lower .
- You need to apply for these benefits via Service Canada, providing medical documentation and proof of contributions .
The 2025 CPP Disability Supplement has been enhanced to offer up to $1,673.24 per month for qualified recipients under age 65, with the average payer receiving around $1,538.67. Parents may also access $301.77 per month per dependent child.
These adjustments underscore the importance of contributor history and indexation in securing meaningful disability support.
If you or a loved one might qualify, it’s essential to understand these figures and prepare for application or conversion at age 65.
FAQs
What’s the maximum CPP disability payment in 2025?
The maximum monthly CPP disability benefit under age 65 is $1,673.24.
Is there a benefit for children of disabled recipients?
Yes—eligible children receive $301.77 per month per child, even up to age 25 if in full-time school.
Does the CPP disability benefit change at age 65?
Yes—it automatically converts to the retirement pension at age 65, which is usually a lower amount.
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