If you are eligible for the Ontario Disability Support Program (ODSP), you may be eligible for Canada Pension Plan Disability benefits (CPP-D), but don’t expect it will increase the amount of money from the government. In fact, if a person’s CPP-D monthly amount is greater than their ODSP monthly amount, ODSP benefits can be revoked all together.
ODSP recipients may be required to apply for CPP-D. If your ODSP office thinks you are eligible for CPP-D, they may insist you apply for it. Refusing to apply for CPP may result in the loss of your ODSP benefits.
To qualify for CPP-D, you must have a “severe and prolonged disability”, be under the age of 65 and meet the CPP contribution requirements. A severe and prolonged disability, “means that you have a mental or physical disability that regularly stops you from doing any type of substantially gainful work,” and “that your disability is long-term and of indefinite duration or is likely to result in death.” With respect to contribution requirements, you must have contributed to CPP for four of the last six years, or three of the last six years if you have contributed for at least 25 years.
If you do qualify for both ODSP and CPP-D, your ODSP benefits will be reduced by the amount of CPP-D you receive. If you receive $1,098 per month from ODSP and you receive $900 from CPP-D, your ODSP will be reduced by $900 from $1,098 to $298 per month. If your CPP-D benefit is actually greater than the amount you receive from ODSP, you will likely lose your ODSP benefits all together.
Applying for both benefits does not put anyone in a better position; it only eases the province’s responsibility which is why ODSP insists people apply for CPP-D. Great for the provincial government, not so good for the individual.
If a person loses their ODSP benefits because their CPP-D benefits are greater, it also means the end of the health, dental and vision care benefits ODSP provides. CPP does not provide such benefits; it only provides income. Lose your ODSP benefits, your income may increase, but your expenses could also increase significantly, if you rely on prescription medication. The cost of the medication could far outstrip the increase in income CPP-D provides, leaving people in a much more untenable situation.
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You can contact Ron Malis at rmalis@monarchwealth.ca
Help! What can I do – they’re pressuring me to apply – but I have no way of knowing what I’d be entitled to! If it’s greater, I can’t afford to lose ODSP!
And if I have to take CPP now, at 54 years old, does that mean my CPP payments will run out before I die? (Is there only so many years??)
ODSP will insist you apply for CPP Disability. If you are approved for CPP Disability and the amount you receive is greater than what you receive from ODSP, you may lose your ODSP benefits. In some cases you may be able to retain ODSP health benefits.
If your ODSP amount is greater than your CPP-D amount, your ODSP will be reduced by the amount you receive from CPP-D.
If you are approved for CPP-D, it will continue to age 65 at which point the government will convert it to regular CPP. You will also be able to apply for Old Age Security and Guaranteed Income Supplement at age 65.
You can refer to ODSP policy directives for more information: http://www.mcss.gov.on.ca/en/mcss/programs/social/directives/#is
Just wandering if I qualify for ODSP CCP.
I’m getting ODSP and working few hours a week when available.
I would not be able to tell you if you would qualify. The criteria to qualify for CPP or CPP-D is different than ODSP. However, if you did qualify for CPP-D, it would not leave you with more money in your pocket because your ODSP would be reduced by the amount you would receive from CPP-D. ODSP can compel you to apply for CPP-D, if they think you might qualify, but they can’t compel you to apply for CPP until age 65.
I am on cpp and Odsp I am 51. You do not have a choice if you worked like I did you apply for both it’s the law
Yes, ODSP can insist recipients apply for CPP-D. Those who refuse risk losing their ODSP benefits altogether.
I am power of attorney for somebody turning 65 next year. She is on CPP-D and its under 900. She gets an ODSP top up and a special needs supplies cheque.
I need to transfer her to old age security and know nothing about it.
I know it has to be done but I’m not understanding how to do it, where to do it etc..
You say: If you are approved for CPP-D, it will continue to age 65 at which point the government will convert it to regular CPP. You will also be able to apply for Old Age Security and Guaranteed Income Supplement at age 65.
What I’d like to know is, what do I need to do,who do I need to get in touch with,and where do I apply for Old Age Security and Guaranteed Income Supplement before she turns age 65.
To apply for Old Age Security, you can find the government application at http://www.servicecanada.gc.ca/cgi-bin/search/eforms/index.cgi?app=profile&form=isp3000. You can apply as early as 11 months in advance of her 65th birthday. The application form for GIS is found at http://www.servicecanada.gc.ca/cgi-bin/search/eforms/index.cgi?app=prfl&frm=isp3025&ln=eng. While her OAS application may not be required as her enrollment may happen automatically, you have to apply for GIS. You should find the following link helpful as well: Benefits for Seniors with a Low Income http://www.esdc.gc.ca/en/reports/pension/seniors_low_income.page#h2.7-h3.1
Helo, I just applied for cpp disability last week and already receiving odsp. Can I write and withdraw my cpp disability application?
I do not know the process to cancel your CPP Disability application but I would imagine they would tell you if you call them. Just realize that ODSP can compel you to apply for CPP Disability. They don’t compel everyone to apply for CPP Disability, but they can at their discretion.
Do the offices of CPP-D and ODSP share information. In that I mean can they look at the application etc and see the information provided is the info all protected by privacy and they cannot share info between them. Tx.
I do not believe the two offices share information. I don’t think there are formal mechanisms between them to do so. However, I don’t know if they are permitted to or prohibited from sharing info.
Hi there. I am 60 years old now and receiving cpp benefit since 1996. Right now I am getting $600 a month. Just wondering, am I eligible to apply for ODSP? Thank you.
I am assuming you are receiving CCP-Disability. If that is correct, you automatically qualify for ODSP from a disability perspective. As long as you meet ODSP’s financial eligibility requirements, you should be approved for ODSP. The amount you ODSP determines you are entitled to would be reduced by the amount you receive from CPP-D.
I’m on cpp disability 1300 $ monthly I also collect rent 600$monthly I own my house with a large mortgage can I get some benefits from odsp
I can’t say for sure but I don’t think it is likely, if you are single. A single person is typically entitled to $1,169 per month, but that would be reduced by the amount you receive from CPP-D. Since you receive more than $1,169 (assuming that is the ODSP amount you would otherwise qualify for), your CPP-D would reduce it all the way to zero. The $600 you receive in rent income would reduce ODSP as well.
Hi. I am on ODSP and applied and was accepted for CPP Disability. I’ve been paid retroactive from CPP. Do I need to report this to ODSP and will they take it?
You do need to report your CCPD income to ODSP, including the retroactive amounts. If the retroactive amount you received from CPPD are for a period of time where you were also receiving ODSP, ODSP would expect a repayment of benefits. Exactly how much of a repayment ODSP would expect I could not say. However, every dollar you receive from CPPD for a given month, reduces your ODSP income benefits by one dollar for the month.
I’m 61 years old and on CPP Disability. How do I apply to ODSP to top up my CPP from the $750.00 I receive ? Does ODSP base the eligibility on my marital status? Would I also be entitled to the drug benefits through the ODSP?
To apply for ODSP, you would need to contact them, directly. You can also initiate an application via the web. If you are married, your spouse’s income and assets are also examined and considered as they have an impact on eligibility. If you qualify for the ODSP income benefit, you should also receive the drug benefit.
Since you have CPP-Disability, you only have to prove financial eligibility. You automatically satisfy the medical criteria since you have CPP-D.
Hello, with the recent changes to ODSP in regards to pain and suffering compensation, what are your thoughts on CPPDisability children’s benefits? Shouldn’t that be classified as a ‘pain and suffering’ payment?
ODSP treats the CPP Disabled Contributors Child Benefit as exempt income, according to ODSP policy directive 5.1 – Definition and treatment of Income. So, I don’t see why it would need to be classified as pain and suffering. If you were able to save the CPP Disabled Contributors Child Benefit to the point where you exceeded the ODSP asset limit, that might cause a problem with ODSP eligibility, but I don’t see how it would classified as pain and suffering in light of the changes. The recent ODSP change to pain and suffering related to allowable amounts. There was no change regarding the definition of pain and suffering, which is not an ODSP term as much as it is a legal term. Pain and suffering awards arise from a legal action where a person has suffered an even that merits the award of damages. CPP Disabled Contributors Child Benefit is provided if a child’s parent has a disability and qualifies for CPP Disability. While the parent’s disability may have resulted from an injury, it may have been caused by illness where no fault can be assigned to another party. As well, CPP Disabled Contributors Child Benefit is a government benefit and not an award or the result of a settlement where the government is somehow at fault, so I don’t see how it could be classified as an award for pain and suffering.
Is there a particular reason or circumstance that leads you to think the CPP Disabled Contributors Child Benefit should be classified as pain and suffering?
Hi Ron, Is the monthly CPP-D amount considered income by ODSP, or is it treated separately?
I’m getting ready to apply for ODSP and I’m wondering if they will look at that as part of my monthly income? Thank you.
If you receive CPP-D, you automatically qualify for ODSP from a disability perspective. So you only have to demonstrate you qualify from a financial perspective. However, ODSP does treat CPP-D as income. Every dollar you receive from CPP-D will reduce your ODSP income by one dollar. Example: if a person receives $1,000 per month from CPP-D and is eligible to receive $1,150 from ODSP, that person’s ODSP monthly benefit would be reduced by $1,000 to $150.
I am receiving CPP Disability and would like to apply for ODSP and I have read that since I am getting CPP-D that I automatically qualify for ODSP so does that mean I have to provide medical information when applying for ODSP like how does it work?
Do I still use the same online application or do I go in person to apply for ODSP and mention that I am on CPP-D??
I would appreciate it if someone could reply thank you
If you have been approved for CPP-D, you are deemed eligible for ODSP from a disability perspective. You would still need to prove you are financially eligible. I am not sure how ODSP handles the application process when you are receiving CPP-D. Best to give your local ODSP office a call.
HI Ron,
I heard that ODSP was cut off at age 60 – is that true?
Thank you for any information as i cannot seem to find it on the ODSP website.
Alison
ODSP generally comes to an end at age 65, but not always. At age 65, the federal government provides Old Age Security and the Guaranteed Income Supplement. If a person is also eligible for Canada Pension Plan income, ODSP insists that is applied for as well. If the combined amount a person receives from OAS, GIS and CPP is greater than the amount they are eligible for from ODSP, ODSP comes to an end. If the ODSP amount is greater than the combined amount received from the federal retirement benefits, ODSP remains in place, but is reduced by the amount received from OAS, GIS,and CPP.
Sorry a related question = what replaces ODSP if/when it ends and the person is not eligible for CPP-D? Is it OAS?
See my response to your previous question. But one added comment from me. If a person is eligible for Canada Pension Plan Disability benefits, ODSP can compel that person to apply for it, regardless of their age. If the CPP-D application is successful (as the article outlines), ODSP is reduced by the amount received from CPP-D, dollar for dollar.
However, a person on ODSP may not qualify for CPP-D, but will be eligible to receive CPP income in their retirement years. Unlike with CPP-D, ODSP will not compel a person to start receiving CPP until age 65.
I am currently on EI and working part time which is trying because of medical issues. My doc asvised me that i should be on disbility but i disnt want to throw in the towel yet. However i am having another surgery Late Feb. My EI runs out in March. Should I apply for EI disability, ODSP? And after surgery, if capable of working on occasion can I still receive disability? My meds are extremely expensive (HIV meds), nerve pain meds, xhronix back issues. On Trilliam to offset costs. I am 51 and widowed and only income.
You could look into applying for ODSP and CPP-Disability. In fact, ODSP could insist you apply for CPP-Disability. If you got both, your ODSP would be reduced by the amount received from CPP-D. If you are on ODSP, you may be able to maintain your ODSP, depending on how much you earn and how much you receive from ODSP.
The first $200 of net income you earn each month has no impact on your ODSP. Then, for every dollar earned in excess of $200 each month, your ODSP is reduced by 50 cents. They may also give you an extra $100 per month because you are working.
If, for example, a person is receiving $1150 per month and then gets a job, their ODSP would increase to $1250 with the $100 employment benefit. If they earned $1000 per month after deductions, their ODSP would be reduced to would be reduced to $850 per month. Since the first $200 of income does not affect ODSP, only $800 of the $1000 of income reduces ODSP income. 50 cents of each dollar of the $800 of income reduces ODSP, so divide the $800 by 2, leaving $400 which is subtracted from the ODSP for a remaining amount of $850 in ODSP benefits.
If you make enough income to reduce your ODSP to zero, you may be able to maintain your ODSP drug benefit if you are not receiving benefits through your employer.
I can’t tell you specifically what you should do, as this is only for informational purposes. But I hope the above information helps.
Definitely use up the EI Disability weeks, but be sure to get your application process started for ODSP. Doctors are required to fill out forms and such. The amount you will get from ODSP or CPP-D is crap to be honest and very hard to live on… Well near impossible if your single and renting. If you own a home, better for you.. but take the money offered where you can and suppliment your income whenever you can. You will inch out better off.. but not by much.
Hi ,i am 41 and receiving CPP-D ,can i also apply for OAS and GIS???Thank you.
You need to be 65 years of age to receive OAS and GIS. If you are not on ODSP, you can apply for that. Because you receive CPP-D, you automatically qualify from a disability perspective. You would still need to demonstrate you satisfy ODSP’s eligibility requirements to receive ODSP.
I am on ODSP. Do I qualify automatically for CPP disability? Thanks
If a person is approved for CPP-D, they are automatically approved for ODSP from a medical/disability perspective, but would still have to demonstrate they qualify, financially. But it does not work the other way around. You do not qualify automatically for CPP-D because you qualified for ODSP.
Hi my husband is on CPP Disability and recieves an income from Sun Life.. the problem is i lost my job three years ago from a nursing home due to an injury ive had surgery but it didnt work . so im in a holding sorta pattern till they figure it out..but in the meantime i lost a job that paid $19.00 an hour with benefits..
our biggest issue is the benefits i have high amounts of prescriptions . my teeth are falling apart . my glasses are falling apart. My dr says im not disabled i have two feet one other hand arm. the arm and shoulder that are affected is the one i use.. i also have horrible back issues.. DDD. arthritis few other things.. i have arthritis in my knee .. i was getting shots in my back but i had to stop due to the amount it was costing me.. The prescriptions im on are for my shoulder and are very expensive. we just cannot afford them or my dental or my eye glasses. i cant even afford the eye appt. is there any way we can get help with these . Since my dr says im not disabled i cannot get any income. no one will hire me ive tried not with my shoulder issues.. back issues. ive tried going back to school. were at our end here when i need medication we cant afford it im in pain due to it. but with husband on Cpp Disablitly and sun life .. is there any help for us with my high drugs thanks
You might want to look into the Trillium Drug Program which should help to reduce medication costs if you qualify. Here is a link to the program: https://www.ontario.ca/page/get-help-high-prescription-drug-costs.
If your husband is receiving CPP-D, he automatically qualifies for ODSP from a disability perspective, so the two of you would just have to qualify from a financial perspective.
I don’t understand why your doctor says you are not disabled. According to what criteria? Your doctor’s own criteria? The question really is if you would qualify for ODSP according to ODSP’s criteria. Simply because a doctor is a doctor does not make him/her an expert on who would qualify for ODSP. In my opinion, your doctor has an obligation to help complete the ODSP application and let them decide. If you can’t work because of a physical impairment, or multiple impairments, you may very well qualify.
If both you and your husband qualify for ODSP, I believe you would get at least some financial support even though your husband is receiving an income from CPP-D and SunLife disability coverage. But that really comes down to the calculations. If you end up qualifying for ODSP, you would also benefit from their drug plan.
If you believe your physical impairments are seriously affecting your daily living activities, I would push your doctor to do his/her part of the ODSP application or find another doctor who will.
I hope this helps.
I’ve been on odsp for 7 yrs due to a chronic lung desease from environmental hazards … I applied for cppd dec 2019 n got it will odsp still pay for my oxygen therapy n all my medications ?
If the amount you get from ODSP is more than what you get from CPP-D, your ODSP benefits continue, but the amount you get from ODSP is reduced by the amount you get from CPP-D.
hi im 50+cant get a job no experiance not enough medical problems but i want too get on disability and bacause of my age it is harder too get a job only had 3 pt jobs in my life 1 was temp jobs 2nd tim hortons for 8 monthes 3rd hall mark house keeping for 7 monthes thats it now because of my age its harder too find work my ? is can i get odsp because my age and i cant get old age pension because im not over 65 yet soo how do i get odsp
Your age won’t stop you from qualifying for ODSP. The only way to find out if you will qualify for ODSP is to apply. Here is the link that will tell you how to apply: https://www.mcss.gov.on.ca/en/mcss/programs/social/odsp/income_support/part_one.aspx
If odsp is giving me 480 dollars for part of my rent does that stop If I get excepted for Canada pension disability?
If you are approved for CPP-Disability, your ODSP benefits for shelter and basic needs combined are reduced by the amount you receive from CPP-Disability.
I was receiving ODSP income and medical/dental. ODSP insisted I apply for CPP disability. I asked my ODSP caseworker how this may impact my ODSP. I was told that there would be no difference, ODSP would review what I was receiving from CPP-D and if there was a difference ODSP would cover that difference.
That was not entirely true. ODSP is non taxable income. CPP-D is taxable. ODSP looked at the gross amount I was receiving from CPP-D, not the net amount which would have been more fair and used that as the benchmark to adjust the rest of the income. I ended up getting about 15% less monthly income after taxes were removed from my CPP-D.with the combined ODSP and CPP-D. I voiced my concern with ODSP and they said to bad, so sad.
This should have been better explained to me when I asked if there would be a difference in my monthly income for my budgeting purposes. I don’t think the caseworker realized the taxable/non-taxable influences here.
Yes, it would have been helpful if they considered tax implications when explaining things to you. My understanding was, even though CPP-D is taxable income, one wouldn’t actually owe tax if if on ODSP and CPP-D because the amount of taxable income wouldn’t exceed the basic tax exemption amount.
DTC (Disability Tax Credit) is worth getting a qualified dr to fill out an application for. When approved they will backdate it up to date of disability, in some cases resulting in thousands back. It effectively reduces the tax portion since CPPD is taxable. It also qualifies the DTC recipient to
RDSP every year grants and bonds are deposited into a bank account or matched if you can add to it as well. Just have to show the approval letter to the bank to open the RDSP. Plus there is medical expenses and products, medical cannabis is one that’s included in allowable expenses to claim.
You could try and apply for DTC disability tax credit , it is helpful, it effectively reduces tax portion on CPPD.
One can also fill out a form to claim a portion of taxes paid on gas purchases or travel. You can find on google i think its federal excise tax for disabled save your receipts in case
Hi ,, I’m on ODSP and my child soon she will be 18 full time student. I been told I have to apply for cppd and I know I will get less then ODSP. Do my income will change to less from ODSP and do I loss my health benefit? Or dental benefit? And I’m on special diet as my condition.
When my daughter 18, do I lose her benefit as She is living with me?
What will happen if I refuse cppd and not to apply?
Thanks
If you refuse to apply for CPP-D, ODSP can suspend your ODSP benefits. If you get less from CPP-D than you get from ODSP, your ODSP benefits continue, but the amount you get from ODSP is reduced by the amount you get from CPP-D.
….basically for a single ODSP max payout monthly is approx $1075 plus diet allowance and surgical product allowance, then you add per the member unit.
So if it’s a couple and he received CPPD $1100 /mth the ODSP would be minus the CPPD (at present it’s dollar for dollar, ) .. then it’s the difference that’s paid by ODSP based on what a couple would get before CPPD was deducted.
it’s approx $1818 plus those diet allowance and surgical product allowance, plus coverage for dental and vision and travel coverage.
Always worth applying for ODSP too when you get CPPD (one may qualify financially) and that’s the only requirement. Anyone in a prescribed class (which includes CPPD )automatically qualifies them disability wise for ODSP purposes.
HI. I single, on ODSP, 63 years old. I just received a inheritance (not a lot, but more than enough for awhile). When I inform ODSP, will they take away the ODSP benefit? I have debts to pay, would like to keep some for retirement. Advice please and thank you
There is no easy answer to this. In other words…”it depends.” How your inheritance might affect your ODSP eligibility depends on a number of factors as well as the options available to you and the choices you make. You mentioned the inheritance is not a lot, but more than enough for a while. The amount you receive is a central factor. If the inheritance plus other assets you have (e.g. money in the bank) adds up to less than $40,000 you won’t be breaking ODSP’s asset restriction rules. However, if the inheritance is more than $10,000 it could reduce the amount of your ODSP income for the month you receive the inheritance. You are allowed to receive up to $10,000 in gifts in a 12-month period without compromising your ODSP. If you receive more than $10,000 in a 12-month period, the amount above and beyond the $10,000 mark is considered income in the month you receive it, reducing your ODSP dollar-for-dollar for that month. Example: If the inheritance is $25,000 and you receive it all in one month and put it in your bank account, the first $10,000 does not affect your ODSP (assuming you did not receive any other gifts during the previous 12 months), but the remaining $15,000 would be treated as income for that month down to zero. It should not affect your ODSP in the following month as long as you have less than $40,000 in assets.
If the inheritance is large enough to push you over the $40,000 ODSP asset limit, it would impact your ODSP eligibility until you either spent enough of it to bring your assets down under $40,000 or use a large enough portion of the money to purchase assets treats as exempt. Money in an RDSP is treated as exempt, but that is not an option in your case because the last year a deposit can be made into an RDSP is the year you turn 59. Segregated funds could be an option as you are allowed to have up to $100,000 in segregated funds without it affecting your ODSP, subject to some conditions. See: Segregated Funds Saved My ODSP.
Figuring out what is most appropriate for you also depends on your personal needs, preferences and circumstances.
Thank you very much for responding to my inquiry!
If you need additional advice, you can contact me by phone or email.
Hello ,
I have a 60 year old friend collecting cpp disability.Ontario resident.
He is in dire need of dentures , as his rotting and breaking teeth leave him unable to eat properly.
He is afraid to apply for odsp benefits , he believes that the federal government will take his cpp-d benefit away.
Any advice would be helpful
Thanks
The federal government does not reduce or revoke a person’s cppd because they are also receiving ODSP benefits.
Because he has been approved for cppd, he automatically satisfies the ODSP definition of disability. As long as he satisfies the ODSP Financial eligibility criteria, he should qualify for ODSP.
The ODSP Financial eligibility criteria is a little bit more complicated than this but essentially as long as he has less than $40,000 in assets and his cppd income does not exceed the amount of income he would qualify for from ODSP, he should be approved. However the amount he would get from ODSP would be reduced buy the exact amount he receives from cppd. So, if you qualified for $1,169 per month from ODSP and receives $1,000 from cppd, ODSP would provide him with $169 a month as well as health and dental benefits that they offer.
If the amount he receives from cppd turns out to be greater than greater than the amount he would get from ODSP, his ODSP benefit he would not qualify for ODSP. I believe in most cases where somebody qualifies for both programs, ODSP entitlement typically exceed what they received from cppd.
If he has assets that do exceed $40,000 in value he may or may not be able to qualify for ODSP, depending on what those assets are. As well, if he has income from other sources, this could also compromise his eligibility>
I want to say if he has medical issues (dietary concerns) and incontinence products needs, he needs to mention that and fill out ODSP form for that.
It is an additional allowance he could receive and can make a difference to/for amount received by ODSP. My motherinlaw didn’t qualify , but the dietary form because she has a heart condition was only $50 more a month received extra, it put her in the qualified area.
Agreed. Looking at and applying for additional ODSP benefits you might qualify can help to increase your monthly entitlement and could possibly mean the difference between qualifying or not, depending on how much you receive from CPPD.
I do receive ODSP. My father died, was told by worker at the time that what monies was left was free and clear.(the Exe, welched and I did what a son is suppose to)
I did apply for the CPP death benefit, of which I have now received.
The “acts” 5.1 and 4.6 are like reading chinese instruction manuals.
I plan to “re-invest this benefit” into my rdsp…am I looking to get tagged on this?
My Thanks ….
When a person is approved for CPP-D and receives an initial lump sum retroactive amount from CPP-D for a period of time where there were also receiving ODSP, ODSP would likely expect a repayment of benefits. CPP-D reduces ODSP benefits, dollar-for-dollar.
Example, if a person qualifies for $1,169 per month from ODSP but also receives $900 per month from CPP-D, ODSP benefits would be reduced by the amount they receive from CPP-D. Instead of receiving $1,169 per month from ODSP, the person would receive $269 from ODSP, plus the $900 from CPP-D.
When you are approved for CPP-D, there is often an initial lump sum payment for the period you were approved for but hadn’t been paid. If you were on ODSP during that period, ODSP would retroactively calculate what they should have provided you, given the CPP-D approval. This creates a repayment where at least a portion of the money ODSP did pay out needs to be repaid. In many cases, money from the lump sum amount from CPP-D is used to take care of the ODSP repayment.
My question is if I’m bringing in $1,179 from CPP per month I’m deducted $1,179 from ODSP per month, which leaves me with a payment from ODSP of $300 according to them. I receive a bit extra from ODSP because of a special diet I need. Shouldn’t they be calculating the deduction based on the net after tax amount because I pay taxes on the CPP money? $150 to $180 per month at the end of the tax year. So I’m really behind the eight ball because I make less than an ODSP recipient does per year. CPP is taxable, but ODSP is not taxable. Shouldn’t I get deducted by the net and not the gross amount? The way that it’s calculated, my income puts me below ODSP average income which means I’m being penalized for being a tax paying citizen all my life. I was given the option from CPP to withhold taxable dollars so I wouldn’t be stuck at the end of the year so now CPP gives me $879 per month. Holding back the tax money to save my butt like I explained, yet ODSP seeing that I bring in now only 879 still deducts the total CPP amount even though part of it is being withheld by our government to protect me. They still say I’m eligible for the $1,079. Irrelevant whether I’ve got them holding that tax dollar money till the end of the year, that is my income so it has not changed Can you explain this to me.!!
I can’t provide you with specific advice, but I can make some general comments.
Yes,CPP income is taxable but that does not mean tax will be owing, necessarily. If CPP is the only source of taxable income, the amount of tax owing should be quite low or nothing at all.
Many retirees receiving CPP also have other sources of taxable income, such as income from a private pension plan and withdrawals from RRSP or RRIF accounts. In these cases, a person’s total taxable income (from all sources combined) is much higher where tax would be owing.
It all really depends on the amount of taxable income a person receives from all sources that determines how much tax would be owing.
In the event that tax is owing, tax credits and deductions might be available to reduce or eliminate the amount owed. The Disability Tax Credit should help a lot in this regard, if you have been approved for it.
Hi. I got approved for CPP- D 6 years a go but I didn’t apply for ODSP. I applied for ODSP online 2 days ago and waiting to find out about their decision. My question is if approved, will ODSP office pay me a lump sum retroactive payment from 6 years ago for the top up portion of CPP-D? For myself and 4 kids under the age of 18 years old?
CPP-D and ODSP are separate programs, with different eligibility criteria and managed by different levels of government. CPP-D is federal and ODSP is provincial. Unfortunately, ODSP would not backdate your entitlements to the day you started receiving CPP-D.
Hi there if I’m receiving $1600 LTD benefits from sunlife group benefits and was denied by cpp for not having enough hours worked as well as ODSP and in future progressively decline in health is it wiser to reapply for the government programs to be reconsidered again at that point or continue with sunlife benefits payments which seem to pay more support without the government impeding on my privacy and accounts. I also have 3 dependents
I really couldn’t say if it would be wise to pursue ODSP benefits or not. While I don’t believe receiving ODSP benefits would reduce the amount of your LTD benefits, your ODSP entitlement would be reduced by the amount you receive from LTD. So, the dollar value of applying for ODSP would depend on how much you would be entitled to from ODSP. For example, if you qualified for an $1800 ODSP monthly entitlement, it would be reduced by the $1600 amount you receive from ODSP, leaving you with a $200 monthly benefit from ODSP.
I will chime in, LTD is cancelled out by CPP outright, and CPP is cancelled out by ODSP dollar for dollar. That being said there is an allotment for housing etc and MSN and Dietary. One could receive CPP and the balance of ODSP so there is that, and one can earn up to $1000/mth before ODSP income clawback, One would have dental, eyeglass and drug benefits. It is worth applying for CPP imho. LTD has its limits, all depends on how much a month it pays really, Hope somehow this info helps
“AP” mentioned he already applied for CPP-D but was denied for not meeting the contribution requirements, so I don’t see how reapplying would result in a different outcome. Even AP did reapply and was approved for CPP-D, the LTD amount would be offset by the amount received from CPP-D, so the net result would not increase monthly income, unless the CPP income was greater than the LTD amount, which is unlikely.
ODSP benefits would be helpful if the income entitlement were materially more than the LTD amount or the ancillary benefits, such as prescription coverage, offset current out-of-pocket expenses.
ODSP recipients can earn up to $1000 per month net after taxes and (most) deductions before ODSP income benefits are reduced. However, if AP is able to work, the earned employment income would affect LTD benefits.
Hi
(Yes CPPD would cancel out Ltd. ) Though re: turn down of CPPd initially, If one is working, they can reapply after first turn down never know they may get approved.Maybe they have a few more years of income earned since then etc.
Cppd is an automatic fast track (approval) for ODSP and definitely worth going through for extra income. As I say, one is able to earn $1000/mth before clawback. Plus, there is mandatory special needs funding, special diet funding, eyeglass coverage, dental, and medication coverage alot nore assurance than with ltd imho.
Hi
(Yes CPPD would cancel out LTd. ) Maybe they have a few more years of income earned since the turn down.
Cppd is an automatic fast track (approval) for ODSP and definitely worth going through for extra income. As I say, one is able to earn $1000/mth before clawback. Plus, there is mandatory special needs funding, special diet funding, eyeglass coverage, dental, and medication coverage alot nore assurance than with ltd imho.
maybe they got more income since the turn down.
Cppd is an (approval) for ODSP and definitely worth going through for extra income. Plus on ODSP one is able to earn $1000/mth before clawback prob cant on LTd at all.. Plus on ODSP, there is mandatory special needs funding, special diet funding, eyeglass coverage, dental, and medication coverage alot more assurance than with LTD
Be good if he could get it is an auto approval for ODSP and definitely worth going through for extra income. $1000/mth before clawback prob cant on LTd at all.. Plus on ODSP, there is mandatory special needs funding, special diet funding, eyeglass coverage, dental, and medication coverage alot more assurance than with LTD