Your suffering shouldn’t fund private sector  profit.

Private insurers have found a way to profit off public pensions—and they’re doing it at the expense of Canada’s most severely disabled workers.

When you become disabled and qualify for CPP Disability (CPPD), you’re not getting a bonus. You’re receiving a contributory pension—one that you paid into with every paycheque.
It’s not optional.
It’s not a handout.
It’s not a lottery win.
It’s earned.

It was created to help finance the extraordinary costs associated with severe and prolonged disability.
To support functional independence, assist with restrictions and limitations, and help individuals live with dignity in the face of life-altering medical conditions.
And it was created through your investment. That part seems to be missed.

But insurers call CPPD something else: an “advance” on their obligation to you.
Then they reduce their payments accordingly—leaving you no better off than before. Sometimes, even worse.

This Isn’t Fairness—It’s Erasure
This isn’t coordination.
This isn’t fairness.
This is cost recovery disguised as compassion.

They take disability pensions from disabled people in the name of creating “fairness” to those not living with severe disability.
It might seem fair to treat me as though I’m not severely disabled.
But I am.

Where is the fairness in that?

The system doesn’t see me.
It doesn’t acknowledge the daily impact of my condition—because it’s too busy trying to make me undisabled.
Coincidentally, they profit.

How Did This Happen?
The federal government gave them the tool:
Section 65(3) of the Canada Pension Plan Act.

For contributors, applying for CPPD is grueling.
It means filling out forms, booking appointments, asking doctors to certify again and again that you are incapable of working in any occupation.
It’s invasive, exhausting, and often re-traumatizing.

But for insurers?
A name and address is all that’s required to sign an agreement that gives them access to your pension.
- No need to show that excess payments were actually made.
- No need to disclose the financial obligations already caused by years of premiums paid by the claimant.
- No need to establish privity of contract.

I thought my CPP contract involved the Government, my employer, and me.
I didn’t know the private sector had access to the pension I earned. I was wrong.

This clause allows insurers to sign “reimbursement agreements” with the Minister of Employment and Social Development.
But contrary to what they do in practice, the agreement does not authorize them to seize your monthly CPP Disability pension.

It permits only a one-time reimbursement for excess disability payments—not permanent monthly deductions.

And yet, insurers routinely use this agreement to take your pension anyway.
No proof is required. No right of refusal. No oversight.
They don’t even have to tell you they’re doing it.

Perhaps that’s why these agreements are kept from our view.
The Minister signs the agreement, then is “saved harmless.”
The insurer never provides the agreement —so we don’t know what it says, what authority it claims, or what protections we’ve lost.

This is what passes for compassion in systems and agencies meant to help us.

Once signed, the federal Minister assumes no responsibility for what the insurer does next.
This loophole leaves disabled contributors entirely exposed—and the insurers fully in control.

What used to be insurance—the pooling of risk—has been replaced by a system designed to protect profits by hollowing out your pension.
And the government enables it. While you struggle to live with unsupported severe disabilities.

The Logic is Mind-Numbing—and Cruel
People eligible for CPP Retirement are able to see a financial benefit from their contributions.
But disabled contributors with the foresight to carry insurance coverage—to prepare for hardship—are penalized.
The Canada Pension Plan does not provide pension because of financial need. It is strictly based on contributions and the eligible conditions of retirement or severe disability.
The rules have secretly changed but the legislation has not.

They are still deemed eligible for a disability pension.
But instead of that pension going to the disabled contributor, it goes to the insurer.

Insurers that have already accepted monthly premiums to cover a wage-replacement obligation.
Why?
Because, according to them, seizing your pension creates a “financial incentive” to encourage you back to work. And profit for them.

But consider this:
CPP Disability is only granted to those with a “severe and prolonged” disability.
The law says you must be incapable of performing any gainful occupation.

Yet the Minister signs agreements with insurers allowing them to take your pension, supposedly to “incentivize” your return to work.

It’s mind-numbing and crazy-making at the same time.

Ask Yourself:
- Would we allow banks to call your Old Age Security an “advance” on your mortgage?
- Would we let landlords seize your child benefit to cover rent loss?
- So why are we letting insurers seize disability pensions that don’t belong to them?

It’s legalized exploitation.
And it’s happening quietly—beneath the radar of public knowledge and outside the protection of insurance law.

We are not asking for more.
We are asking for what is already ours.
To keep our pensions.
To keep our dignity.
To stop funding corporate gains with the lives and losses of disabled Canadians.

I’m trying so hard to be heard—not for me, but for you.
Because one day, it could be you or someone you love.
A fall. A diagnosis. An accident. That’s all it takes to go from worker to “liability.”
And when that happens, you’ll find the safety net you paid into has a hole cut in it—by the very people who promised to catch you.

Before it’s too late, ask your insurer:
Have they signed a secret agreement to take your pension if you become disabled?

Be vocal now. Because after disability strikes, your energy will go to surviving—while your rights quietly disappear. No-one want to think about becoming severely disabled,  I didn't. But it does happen. Protect yourself now by helping me make change, to have Section 65(3) repealed.  Let my work, benefit your future, if your life becomes altered by disability.

Add your voice. Share this petition far and wide. To Facebook, to Instagram, to X, through email and word of mouth.  Ask your MP: Why are we giving away the pensions of the disabled to private insurance companies? 

#Repeal653 #DisabilityRights #StopTheClawback #CPPD #ProtectDisabilityPensions #HumanRights #DisabilityJustice #cdnpoli