I urge you not to scroll by. I am asking you to intervene—to demand oversight, to investigate how Section 65(3) of the Canada Pension Plan Act is being used, and to stand up for the dignity of disabled Canadians, the integrity of CPP.

Please don’t be another person who remains silent. Disabled lives—and our public pension system—deserve better.

Under this section of the Act, contributions made by working Canadians are collected by the government through CPP, but then quietly redirected under the non-profit guidelines of the Canadian Life and Health Insurance Association (CLHIA)—a private industry lobby group.

Section 65(3) has created a loophole. One that gives the private insurance sector access to public pensions. The Minister has no discretion to refuse approval. In fact, the agreements state the Minister is “saved harmless.”

Let that sink in.

Insurers do not have to prove they are administrators of legitimate disability income programs.
They do not have to demonstrate they made excess payments.
They do not need to show privity of contract with the claimant whose pension they are taking.
They are held to the honour system.

An honour system that financially rewards insurers for creating pressure to “encourage” disabled people back to work—not with support, but by taking away their pensions. Pensions that were meant to help us survive. Pensions that were supposed to ensure dignity, accessibility, and basic independence for those of us living with severe disability.

I’ve lived this.
This is not a theory.
This is how Canada currently treats its most vulnerable citizens.

Please sign and share this petition—not just for me, but for all of us. Let’s demand accountability and restore the integrity of the Canada Pension Plan before the day comes when you need your pension because of a disability... and discover the truth too late.