How much is the CPP disability benefit?
$610.46 a month to everyone who qualifies, plus 75% of the retirement pension your contributions had already earned. That is not a rule of thumb — it is the formula written into the Canada Pension Plan, and it reproduces the published 2026 maximum of $1,741.20 exactly.
Your 2026 disability benefit
- Flat rate, the same for everyone
- $610.46
- 75% of your retirement pension
- $657.75
- From 65, the retirement pension instead
- $877.00
- Change at 65
- − $391.21
At 65 the disability benefit automatically becomes a retirement pension. The payment falls — it always does, because $610.46 of flat rate is worth more than the quarter of your pension you stop losing.
At 65 the payment falls, and it always falls
The disability benefit does not continue past 65. It automatically becomes a CPP retirement pension — same payment date, different benefit — and the amount goes down.
The arithmetic makes it unavoidable. Until 65 you receive $610.46 plus three quarters of your pension. From 65 you receive the whole pension and no flat rate. You gain a quarter and lose $610.46, and the flat rate is the larger of the two at every pension CPP can actually produce — the two would only balance at a pension of $2,441.84 a month, well beyond the maximum of $1,507.65.
At the maximum the drop is $233.55 a month. On a smaller pension it is larger, approaching the full $610.46. It is worth planning for rather than discovering.
Why the flat rate matters more than the percentage
A disability often arrives after a shortened working life, so the earnings-related part is usually modest. The flat $610.46 does the heavy lifting: on the average new retirement pension of $877.01, the benefit comes to about $1,268.22 — and 48% of that is the flat rate.
It is why the average actually paid to new disability beneficiaries, $1,234.68, is a much higher share of its maximum than the average retirement pension is of its own. The floor is doing the work.
What this page does not tell you
Whether you qualify. The amount is arithmetic and this page can do arithmetic; eligibility turns on whether Service Canada accepts that your condition is both severe and prolonged, and on your recent contribution record. That is a medical and administrative decision, it is refused often, and it has an appeal process with deadlines. A calculator is the wrong tool for it — apply through Service Canada, and get help from a community legal clinic or an advocacy organisation if you are refused.
Common questions
How much is CPP disability per month?
$610.46 to everyone who qualifies, plus 75% of the CPP retirement pension your contributions had already earned. The 2026 maximum is $1,741.20 a month and the average paid to new beneficiaries was $1,234.68. On an average retirement pension of $877.01 the benefit works out at about $1,268.22.
How much do you get on CPP disability?
More than you would get from the retirement pension alone, which is the point of the flat-rate part. The formula is set in the Canada Pension Plan itself: a flat rate benefit plus 75% of the contributor's retirement pension. Because the flat rate is $610.46, even someone with a small contribution record receives at least that much.
Does CPP disability affect my CPP retirement pension?
Yes, and in a specific way: at 65 the disability benefit automatically becomes a retirement pension, and the payment falls. It has to. Disability pays a flat $610.46 plus 75% of your pension; from 65 you receive 100% of that pension and nothing else. At the maximum that is a drop of $233.55 a month, and the smaller your pension the larger the drop, up to the full $610.46.
What is the maximum CPP disability payment?
$1,741.20 a month in 2026. It is reached only by someone whose contributions had earned the maximum retirement pension of $1,507.65 — $610.46 of flat rate plus 75% of that, which is $1,130.74.
Is there a benefit for my children?
$307.81 a month for each dependent child under 18, or aged 18 to 25 in full-time study; $153.91 for a part-time student. Service Canada pays the same rate for the children of a disabled contributor and the children of a deceased one — they are a single line in the published table.
What if I am already receiving my CPP retirement pension?
A different benefit applies: the post-retirement disability benefit, available since 2019 for someone under 65 who is already drawing a retirement pension and becomes severely and permanently disabled. It pays the flat rate only — $610.46 in 2026 — on top of the pension you already receive, because the earnings-related part is already being paid to you. It stops at 65.
When is CPP disability paid?
On the same dates as every other CPP and OAS benefit — the third-last business day of the month, except in December. There is no separate disability calendar.
The formula is the Canada Pension Plan, s.56(1) — a flat rate benefit plus 75% of the contributor's retirement pension. Amounts are Service Canada's published 2026 figures, checked on 20 August 2026, and this site's tests confirm the formula reproduces the published maximum to the cent. Estimates only, not a decision on eligibility, and not financial or legal advice.