When I first became disabled, I thought the hardest part would be learning to live without my independence. I was wrong.

What’s been harder—what continues to break me—is the silence. The betrayal. The quiet erasure of a pension I paid into my entire working life.

And it’s not just happening to me.

If you contribute to the Canada Pension Plan, this concerns you. Because the very system that promises support in your time of need has a built-in escape hatch—Section 65(3)—that allows private insurers to quietly take your pension before it ever reaches your hands.

Here’s how it works:

You become severely disabled. You apply for CPP Disability. You qualify. You think: Thank God. I’ll finally get some help.

But what you don’t know—what no one tells you—is that the federal Minister has already signed a secret agreement with your insurance company. An agreement that unlocks your CPP contributions and hands them to a private insurer.
No notice. No consent. No discretion. Just gone.

Your pension becomes a subsidy for a private profit model.

Why does the insurer do this?
They say it’s to create an incentive to encourage me back to work.
Me—a person already medically deemed unfit for any occupation.

It’s more than a slap in the face.
It’s a kick to the solar plexus.

They say it’s necessary—to keep premiums low for able-bodied people.
In their world, that’s fair:
To take a pension created from my contributions, made available because I am severely disabled,
To assist with my impairments, my limitations, my suffering—
And give it to others who are not.

But that’s not how insurance is supposed to work.

Insurance premiums must, by law, be high enough to cover the risks they insure—no more, no less.
They are not supposed to rely on public pensions like CPPD to fill the gap.
Using CPP as a security is expressly prohibited by Canada Pension Plan legislation under Section 65.
So they profit—by my misfortune.

This clause—Section 65(3)—was never meant to serve corporations.
It was quietly rewritten in 2003 and now allows any “administrator of a disability income program” to recover your pension if they paid you any amount before CPP kicked in.
It sounds like coordination. But it isn’t.
It’s privatization.
It’s exploitation.

The Minister doesn’t check if it’s fair.
Doesn’t check if you were informed.
Doesn’t check if it will leave you in poverty.
Doesn’t check if you can walk—or if you have spinal fluid dripping from your nose.

They simply sign—and walk away.
The insurer takes the benefit.
And you’re left struggling, confused, and alone.

Your cries for help are met with gaslighting. Then silence.

You’re told to be grateful.
But all you feel is betrayed.

This isn’t about special treatment. It’s about protecting something that belongs to you.
CPP isn’t a gift—it’s a right, earned through years of mandatory contributions.
And through this loophole, it becomes negotiable. Disposable. Transferable—to everyone but you.

This update is my plea.

To every Canadian who believes their pension is safe: look closer.
Read Section 65(3).
Ask for the agreement your insurer has signed with the federal government.

Most likely, you’ll never be allowed to see it.

This isn’t about sympathy.
It’s about truth.
It’s about accountability.
It’s about protecting what you have worked your whole life to earn.

Please share this widely on any platform you use.
Please sign my petition.
Help save your pension to secure your future. Disability is not an exclusive group.

Please stand up for a future where pensions are respected—not privatized.

Karen Bingley
Severely Disabled, Silenced—but Not Broken

#ProtectDisabilityPensions
#Repeal65_3
#NotYoursToGiveAway