The removal of a pension benefit affects everyone who contributes to CPP. I’m sounding the alarm because I’ve lived through the betrayal.

Our Canada Pension Plan is being quietly privatized—and no one tells us until we become disabled or apply for our pension. Only then does the truth emerge: your lifetime contributions may be rerouted to private insurers—not to you.

How?
In 2003, a clause was added—Section 65(3) of the Canada Pension Plan Act. It allows private insurers to sign secret agreements with the Minister to recover so-called “overpayments”—without getting your consent or even informing you that the agreement exists. The CPP Act never defines what an overpayment is. So insurers simply decide that your private wage-replacement benefits—paid through premiums you contributed—are an “excess.” Then they seize your CPP Disability pension.

As of today, 39 insurers have active agreements that allow them to do exactly that. A previous update explains how to check if yours is on the list. I urge you to find out. I didn't know mine was on the list.  Until I found out the hard way. By becoming severely disabled.

This didn’t happen overnight. In 1965, insurers lobbied against the CPP because it threatened their profits. In 2003, they found a loophole—and used it. The agreements sit silently in the background until severe disability strikes. Then insurers begin the process of separating disabled contributors from their CPPD.

Under threat of losing our benefits, we are forced to apply for CPP Disability. We’re made to sign a consent form we don’t understand. There’s no explanation. No financial breakdown. No disclosure. Just silence.
The Act says only “excess payment” can be recovered. I thought I was safe—because I never received any excess payment. Not so. Unbeknownst to me, the insurer had its own definition of “excess”—and it wasn’t one that benefited me.

When my CPPD was approved, it went directly to the insurer—not to me. They had already been paid premiums. They just wanted more. And they wanted to create a so-called “financial incentive”—by taking my pension away from me—to pressure me into going back to work. And I was left to pay tax on a pension I never received. They profit while I am left to struggle. Alone.

This is not an accident. It’s not a policy oversight.
It’s a system built to hide the truth—until you’re too vulnerable to fight back.

I’ve begged for help. And I’ve been met with silence.
At first, I thought the silence came from misunderstanding.
Now I know: the silence is part of the plan.

💥 Please help me end this.

📌 Share this petition.
📌 Ask your MLA or MP if they know about Section 65(3).
📌 Check your insurance provider. Are they one of the 39?

We all pay into CPP. Don’t wait until disability or retirement to learn that your pension no longer belongs to you. If they could do this to me, they can do it to you too.

Help protect what was meant to protect us. Help me to Repeal Section 65(3).

Please share on social media. Lets get the conversation started!