All Canadians who pay into CPP should be alarmed. Every paycheque, you contribute with the belief that, if tragedy strikes, a pension will be there—whether through retirement or disability.

But when disability strikes, and CPP Disability (CPPD) is finally approved, your pension is no longer protected by the rules you thought applied. The moment the Minister gets involved through Section 65(3) of the Canada Pension Plan Act, control begins to shift—not to you, but to private insurance companies, who claim the right to reduce their own obligations by seizing your public benefits.

The Minister gets involved by making agreements about your pension—without your knowledge, consent, or participation. These secret federal agreements, meant to authorize a one-time recovery for excess benefits, are being twisted into a financial security blanket for insurance companies. This turns your pension into a private asset—something Section 65(3) was never intended to allow. In fact, this kind of ongoing seizure is expressly prohibited by the Act.

Approval of these agreements occurs without oversight. The Minister signs—then walks away. The protections built into the Canada Pension Plan disappear, and your hard-earned pension is no longer treated as a pension at all. It becomes something else—a tool for corporate reimbursement, handed over without your consent and without any ability to contest it.

And it’s not Parliament calling the shots. It's the Canadian Life and Health Insurance Association (CLHIA)—a non-profit, voluntary industry lobby group that sets guidelines for insurers. CLHIA treats CPPD as if it were a policy of private insurance, even though it's not. That’s the problem: public pensions are being diverted, month after month, under a false interpretation—and disabled Canadians have no way to stop it.

Section 65(3) was only meant to allow a one-time reimbursement to insurers when there's an accidental overlap in benefits—not to justify ongoing clawbacks of monthly pension income. This quiet distortion of law has created a pipeline where money meant to support the most vulnerable Canadians is flowing into the accounts of insurance corporations instead.

In Sabean v. Portage La Prairie Mutual Insurance Co. (2017), the Supreme Court of Canada ruled clearly: CPPD is not insurance. It’s a public, contribution-based pension—not a private product funded by premiums. Insurers don’t get to redefine it just because it benefits them financially.

Yet that’s exactly what’s happening.

Behind the scenes, secret reimbursement agreements between insurers and the federal government override provincial Insurance Acts. That means there are no consumer protections, no appeals, and no transparency. If your CPPD is clawed back, you’ll never see the policy, never see the agreement, and never get to challenge it.

This is not just a misinterpretation of law—it’s a breach of faith. The system built to protect disabled Canadians has been quietly handed over to private interests. And those affected? They’re too sick, too overwhelmed, or too isolated to fight back.

We are not part of these agreements—but we’re the ones paying the price.
Insurance companies profit, and disabled Canadians lose.
We lose our pension—created from a lifetime of work.
We lose the ability to accommodate our disabilities.
We lose our dignity.
We lose our right to appeal.
We are silenced.
CPPD is often the only stable income a disabled person has to fund basic accommodations that make severe disabilities bearable.
Yet in Canada, it has somehow become entirely acceptable to take those accommodations away. This injustice has been quietly unfolding since the 1990s—unchecked, normalized, and devastating.

Taking away the means to live with dignity is not “coordination.” It is cruelty disguised as policy. 

Please share this petition. Help bring this injustice to light. We all pay into the CPP. We all have a stake in making sure it’s there when we need it most.