CPP is one contributory pension that we all pay into throughout our working lives.
Yet it is treated in two completely different ways depending on how we become eligible:If you reach retirement age, you get to enjoy your full CPP as intended — it is yours. 
If you become severely disabled and qualify for CPP Disability, an insurer is allowed to enjoy it instead. Your earned CPP is absorbed, offset, or reimbursed to reduce the insurer’s payout.
The same pension, the same contributions, but a different outcome based solely on whether disability strikes. This is not fair, and it is not transparent. Contributors are never clearly told upfront that their disability pension could be redirected this way.I explain what this betrayal feels like in my newest video “No More Hoops”.  Watch it here: https://rumble.com/v74hc4q-no-more-hoops.html

For me, this treatment has meant an ongoing monthly reduction that removes the financial accommodations I need for my severe brain injury and spinal fluid leaks. The safety net I paid into for decades is being used to subsidize private plans instead of protecting me when I need it most.This is the core problem with Section 65(3) of the Canada Pension Plan. It must be repealed so that CPP — whether for retirement or disability — remains the protected, earned benefit it was always meant to be.Thank you for continuing to stand with me. The more people who see this unfair two-path treatment, the harder it becomes to keep ignoring it.