Ever wonder what it’s like to be erased?

To watch your hard-earned pension vanish behind a closed door — while you’re left outside, pounding on it with every ounce of energy your damaged body can still summon?

To scream into the void, not just for help — but for dignity, for the right to be seen as fully human again?

Now imagine this happens after you’ve already lost everything: your health, your independence, your career. You’re surviving with life-altering disabilities — and instead of support, you find yourself betrayed by invisible rules, written in someone else’s interest and enforced without your knowledge or consent.

That is exactly what Section 65(3) of the Canada Pension Plan Act enables.

I am entitled to CPP Disability (CPPD). I am deemed eligible under the law. But I receive no financial benefit — because my pension is being redirected to a private insurer, under a secret reimbursement agreement signed behind closed doors.

This isn’t theory. This is lived reality.

The federal government allows private insurance companies to access the pensions of disabled Canadians without any direct contract, notice, or consent. Section 65(3) is the loophole they use — a legal gap that turns support into seizure, protection into profit.

And it doesn’t stop there.

These “offsets” happen with no regulatory oversight. The Minister of Employment and Social Development signs the agreements and walks away — “saved harmless” — leaving disabled contributors at the sole mercy of insurers, who are not subject to the Insurance Act when a federal agreement is involved.

No guidelines.
No definitions.
No transparency.
No appeals.

It’s hard enough to survive severe disability. But worse still is the quiet denial — when officials, institutions, and even advocacy bodies refuse to act. They claim to support disabled Canadians. Yet when faced with injustice, they go silent — unwilling to rock the boat, even when it’s sinking us.

Did You Know?

Insurers lobbied against the passage of Bill C-136 — the bill that created the Canada Pension Plan in 1964.
Why? Because they saw it as a threat to profit.

When they couldn’t stop the CPP, they found another way in: Section 65(3).
It became the backdoor to public pensions, and they used it — signing hidden agreements with the Minister. Agreements that we, as Canadians, aren’t even allowed to see, even though they involve our pensions.

I know. I’ve lived it.

I spent years searching for the hidden agreement that authorized the removal of my CPPD benefits. I’ve lived with unsupported disabilities, stripped of both dignity and security of the person, while a private insurer benefits from my lifetime of CPP contributions.

If CPP is a pension — one meant to provide retirement and disability protection — shouldn’t those pension benefits be safe?

Secret agreements designed to take pension property from contributors should concern every Canadian.

I thought my pension was safe.
I was wrong.
And now, I have the Agreement to prove it.

Will retirement pensions be next?

Please sign. Please share. Please help protect our public pensions from quiet privatization.
Repeal Section 65(3). Restore dignity to disabled Canadians.

#Repeal65_3 #CPPDJustice #ProtectDisabilityPensions