What is 'substantially gainful' for CPP Disability?
Service Canada uses an annual earnings threshold to judge whether work is 'substantially gainful.' Earning above it suggests you are capable of regular work, which can affect CPP-D eligibility. The threshold is set each year and roughly tracks the maximum CPP-D benefit.
How does this differ from the US SGA limit?
Both test whether earnings show an ability to work. The US SGA is a monthly limit (with a higher amount for blind claimants) tied to SSDI, while Canada uses a single annual 'substantially gainful' figure for CPP-D. Canada has no separate higher limit for blindness in this test.
Can I work at all while on CPP Disability?
Yes, within limits. You can earn up to the annual work allowance without reporting, and above that you must notify Service Canada. Modest work is allowed, but consistent earnings above the substantially gainful threshold can lead to a review of your eligibility.
What is automatic reinstatement?
If your CPP-D stops because you returned to work but you become unable to work again within two years for the same or a related disability, you can ask to have benefits reinstated without a full new application.