Text Size

Our Canada Pension Plan Services

(Updated April 24, 2019)

 CPP pays benefits to those who have paid into the Plan while working in Canada and then become “eligible”. You and your dependents can become eligible for various reasons, such as:

  • you are between the ages of 60 and 70
  • you are unable to work because of a disability
  • your spouse or partner has died.

Our Clinic offers information, advice and representation about denials of CPP benefits. We most frequently give advice to people who have been denied the CPP Disability benefit.

What to do if you have been denied a CPP benefit?

You must complete an application for CPP benefits.

If your application is denied, you will receive a letter explaining why. You have 90 days from the date of the letter (decision) to ask Service Canada for a “reconsideration” of the decision. Reconsideration means that Service Canada will look at your application again and make a new decision. You have to ask for the reconsideration in writing.

If you are denied again, you will receive a letter explaining the reasons.   You can file a written appeal of the decision to the Social Security Tribunal (SST) within 90 days of receiving the Reconsideration decision.

There are two stages of appeal to the SST: the General Division (first level of appeal) and the Appeal Division (second level of appeal), which hears appeals of decisions made by the General Division.  Appeals to the Appeal Division are not automatic; you must receive “leave” (permission). You must request leave within 90 days of receiving the decision from the General Division. 

It is possible to appeal to Federal Court if your appeal is denied at the Appeal Division.

You should get legal advice when you are denied CPP at each level of the appeal system. We can often assist with sending in the request for reconsideration or appeal. You should also ask for a copy of your file as it will help explain why you have been denied.

Need Help?

Call us at one of our locations, or consult the following:

To contact Service Canada to find out more about CPP

  • 1-800-277-9914(English); 1-800-277-9915(French); TTY 1-800-225-4786    
  • website
  • 2255 Barton St. East, Hamilton; 905-572-2211

To contact the Office of the Commissioner of Review Tribunals

  • 1-800-363-0076
  •  website
  • P.O. Box 8250, Station "T", Ottawa, ON K1G 5S5

To contact the Pension Appeals Board

  • 1 888 640-8001
  • website
  • P.O. Box 8567 Station "T" Ottawa, ON K1G 3H9