Every week, more people reach out to say the same thing:
“I never knew. I never agreed. I never imagined my pension could be taken like this.”

It’s time to expose the truth.

Our CPP Disability (CPPD) pensions—earned through years of contributions—are being diverted to private insurance companies through secret agreements made under Section 65(3) of the Canada Pension Plan.

 
I became severely disabled after a brain injury. I paid premiums for wage replacement insurance. I contributed to CPP. I did everything right.
But when I needed help, I discovered my insurer had made a backroom agreement with the federal Minister of Social Development—without my knowledge, consent, or legal authority.
My pension—built from my own contributions, meant to help me live with my impairments—was claimed by an insurer already paid through premiums. They double dip and become enriched, while I struggle without accommodations.
 
This isn’t a one-off. It’s a coordinated strategy.

In 2003, the insurance lobby (CLHIA) pushed to access CPPD as a cost-saving measure. Section 65(3)—originally intended for income-tested provincial welfare programs—was left dangerously vague. And insurers rushed in. 

They call it “integration.”
But there’s no law that permits private companies to seize a public pension without consent.
There’s no definition in the Act.
No oversight. No recourse.
I was never informed that my contributions could be used to benefit private insurers.

 
This system leaves severely disabled Canadians without support, dignity, or protection.

In my case, the insurer stripped away all means to accommodate my disabilities.
For nearly a decade, I’ve lived with part of my skull removed, leaking spinal fluid, and no accommodations, no support, and no explanation.

And I’m not alone.

I’ve confirmed that at least 39 insurers have signed secret agreements with the Minister. These are not isolated contracts—they represent a systematic privatization of our public pensions.

If disabled people are the low-hanging fruit, will retirement pensions be next? Will CPP be "intregrated" into work employment pensions. 

I thought my pension contributions were for my benefit, I didn't know secret agreements could make  it was a means of "integration", to profit the private sector.

If CPP is meant to be a safety net for vunerable Canadians, why is it benefiting the private sector.  

Every Canadian who pays into CPP should be concerned.
If a secret agreement can erase my pension, what will stop it from erasing yours?

I followed all the rules.
I paid maximum contributions for decades.
But when I needed CPP, I discovered it had already been quietly promised to the private sector through secret agreement.

 
Legal Momentum Is Building
✅ In Baker v. Blue Cross, 2023 ONCA 842, the Ontario Court of Appeal upheld $1.5 million in punitive damages for similar insurer misconduct. The court confirmed that systemic abuse of disabled people demands consequences.

Now we must go further:
To challenge these agreements, expose the truth, and reclaim what was taken.

 
✊ We paid into CPP. We paid our insurance premiums.
We are not liabilities to be managed.
We are human beings.
This is our pension. This is our fight.

Keep sharing. Keep raising awareness. Lets work together to stop the privization of our CPP.