• For all General and Office Inquires Call: 1-905-564-5953

Ontario residents who are 60 or older and unable to work may have questions about disability benefits. Can they apply for short-term disability or must they wait to apply for CPP retirement pension at age 65? The answer is that it might be best to file applications for disability benefits and pension simultaneously. The reason is that it typically takes longer for disability benefit applications to be approved, and pension payments may be made while the applicant waits for disability payments.

If the disability benefits application is approved for someone who already receives pension payments, the pension will be modified to disability. However, the applicant must not be 65 years or older, and he or she must have contributed the minimum required amount. Also, if the applications are not filed at the same time, the disability benefits application must be filed within the first 15 months of receiving pension payments.

Furthermore, the disability must qualify as one of the conditions defined by the CPP laws that govern it, and the person must be deemed disabled prior to his or her retirement date and before he or she turns 65. It is important to note that pension payments received while waiting for disability benefits to be approved will have to be refunded if the pension is changed to disability. This refund typically happens automatically when it is subtracted from the first benefits payment.

This short-term disability will then continue until the person turns 65, at which time it will automatically be changed to a retirement pension -- which will be less than the amount paid for disability benefits. The entire process may seem confusing, and a daunting task to tackle. Fortunately, Ontario residents can secure the support of an experienced lawyer to simplify the process and provide guidance every step along the way.

Life Changing Results & Settlements*

$2
Million

Head Injury

Truck Accident

Settled without the need of a Trial /Tribunal hearing

$1.06
Million

Pedestrian Head Injury

Truck Accident

Settled without the need of a Trial

$1
Million

Elbow fracture

Car Accident

Settled without the need of a Trial

$1
Million

Psychological and Shoulder Injury

Car Accident

Settled without the need of a Trial

$1.3
Million

Psychological and Chronic Pain

Car Accident

Settled without the need of a Trial

$1.025
Million

Psychological and Knee Injury

Car Accident

Settled without the need of a Trial

$1.5
Million

Psychiatric and TBI

Car Accident

Settled without the need of a Trial

$1.43
Million

Femur Fracture

Car Accident

Settled without the need of a Trial

$500K

Long Term Disability

Age 55 Denied LTD

Settled without the need of a Trial

$1.8
Million

Fatality Accident

Car Accident

Settled without the need of a Trial

250K

Psychological/Depression

LTD

Settled without the need of a Trial

725K

Soft tissues & psychological injury

Car Accident

Settled without the need of a Trial

Life Changing Results & Settlements*

$2
Million

Head Injury

Truck Accident

Settled without the need of a Trial /Tribunal hearing

$1.06
Million

Pedestrian Head Injury

Truck Accident

Settled without the need of a Trial

$1
Million

Elbow fracture

Car Accident

Settled without the need of a Trial

$1
Million

Psychological and Shoulder Injury

Car Accident

Settled without the need of a Trial

$1.3
Million

Psychological and Chronic Pain

Car Accident

Settled without the need of a Trial

$1.025
Million

Psychological and Knee Injury

Car Accident

Settled without the need of a Trial

$1.5
Million

Psychiatric and TBI

Car Accident

Settled without the need of a Trial

$1.43
Million

Femur Fracture

Car Accident

Settled without the need of a Trial

$500K

Long Term Disability

Age 55 Denied LTD

Settled without the need of a Trial

$1.8
Million

Fatality Accident

Car Accident

Settled without the need of a Trial

250K

Psychological/Depression

LTD

Settled without the need of a Trial

725K

Soft tissues & psychological injury

Car Accident

Settled without the need of a Trial

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Meet Our Attorneys

Muhammad M. Alam

Muhammad M. Alam

Founder & Managing Barrister

Muhammad M. Alam is a Barrister-at-Law of Osgoode Hall in Toronto and he is the Founder and Managing Barrister of Alam Law Firm. Muhammad is passionate of ADR in litigations. He holds designation of a “Qualified Mediator” as well as a “Qualified Arbitrator” and a member of ADR Institute of Canada and ADR Institute of Ontario.

M. Aftab Alam

M. Aftab Alam

Managing Barrister

M. Aftab Alam holds a Bachelors of Engineering in Industrial and Manufacturing Engineering, a Masters in Mechanical Engineering from Ryerson University, a Bachelors in law , LL.B, and a Masters in law, LL.M from Osgoode Hall Law School.

Laurencia Fasoyiro

Laurencia Fasoyiro

Senior Lawyer

Laurencia Fasoyiro is a Barrister and Solicitor with Alam Law Firm, PC. She has over 15 years of combined experience practicing law in Texas U.S.A and Ontario, Canada. She is a member of the law society of Upper Canada and a member of the State Bar of Texas.

Laurencia Fasoyiro

Naina Tandon

Associate

Naina Tandon obtained her Bachelor of Arts (Political Science) and Law Degree from the University of Delhi in 1985 and 1988, respectively. Upon being called to the bar in 1988, she practiced law in New Delhi, India, with a reputable law firm, C..R. Dua & Associates, for several years before relocating to Canada.

Our Team

24/7 Emergency Hotline for Injury Victims Only

1-416-625-2636



For all General and Office Inquires

1-905-564-5953



Our Offices

MISSISSAUGA
5100 Dixie Road
Mississauga, ON L4W 1C9

Toll Free: 877-345-0541
Mississauga Law Office Map

SCARBOROUGH
305 Milner Avenue, Suite 203
Toronto, ON M1B 3V4

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RICHMONDHILL

HAMILTON
948 Main Street East
Hamilton, ON L8M 1M8

Toll Free: 877-345-0541
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TORONTO
3280 Danforth Avenue
Toronto, ON M1L 1C3

Toll Free: 877-345-0541
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*Please note that past results are not necessarily indicative of future results and litigation outcomes will vary according to the facts of individual cases.

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