Canada’s $1,673 Disability Pension 2025 – Who Qualifies, Payment Schedule, And Full Breakdown

For Canadians under age 65 living with a severe and prolonged disability, a lifeline lies in the CPP Disability Pension. In 2025, the maximum monthly benefit has risen to $1,673.24 for those with sufficient contributions.

This article uncovers exactly who qualifies, how much you can expect to receive, what the payment schedule looks like, and important details around converting to a retirement pension at age 65.

CPP Disability Pension 2025 – At a Glance

Item	Details
Flat Base Payment	$598.49/month – the guaranteed fixed portion available to all eligible contributors
Max Monthly Amount	$1,673.24/month – for those with highest CPP contributions
Average Monthly Amount	Approximately $1,538.67/month – typical for new beneficiaries
Children’s Benefit	$301.77/month per child under age 18 (or up to 25 if in full-time school)
Annual Max Disability	Roughly $20,153.09/year before tax – cap on what constitutes “substantially gainful” work
Payment Dates (2025)	Last weekdays: Jan 29, Feb 26, Mar 27, Apr 28, May 28, Jun 26, Jul 29, Aug 27, Sep 25, Oct 29, Nov 26, Dec 22
Conversion at Age 65	Benefits automatically switch to CPP retirement pension, which is typically lower

Who Qualifies for the CPP Disability Pension?

To be eligible for the CPP Disability Pension in 2025, applicants must:

• Be under 65 years old.
• Have contributed sufficiently to the Canada Pension Plan (typically valid contributions in at least 4 of the last 6 years).
• Have a severe and prolonged disability that prevents working at any substantially gainful job.
• Provide medical documentation proving the disability’s severity and duration (one year or more).

At age 65, the disability benefit automatically converts to the standard CPP retirement pension.

Breaking Down the Benefit Amounts

1. Flat Base Rate – $598.49/month
   All eligible contributors receive this baseline amount, regardless of contribution history.
2. Contribution-Based Top-Up
   Additional monthly payout depends on how much was contributed during working years. The maximum possible sum is $1,673.24/month.
3. Typical Monthly Payment
   Most new recipients in 2025 receive approximately $1,538.67/month, based on average contribution history.
4. Children’s Supplement
   For those with dependent children, an extra $301.77/month per child is paid. This continues up to age 25 if the child is studying full time.

2025 Payment Schedule

CPP Disability payments are issued on consistent days every month. In 2025, expect them near the end of the month:

• January – 29
• February – 26
• March – 27
• April – 28
• May – 28
• June – 26
• July – 29
• August – 27
• September – 25
• October – 29
• November – 26
• December – 22

Direct deposit ensures timely receipt; cheques are mailed for others.

What Happens at Retirement Age (65)?

Once you turn 65, your CPP Disability Pension transitions into the regular CPP Retirement Pension. Typically, this switch means receiving a lower monthly amount than under disability, as it is based on standard retirement formulas rather than enhanced disability rates.

The CPP Disability Pension for 2025, with its maximum of $1,673.24 per month, offers essential support for disabled Canadians under 65 who’ve contributed to the CPP. With a guaranteed base payment of $598.49, the additional top-up can provide substantial financial relief.

Add the children’s benefit, and the total support can be significant for families. While the benefit converts to a standard retirement amount at 65, this program plays a critical role in helping Canadians manage life with dignity and stability.

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