Disability Pensions

Often when you're not able to continue working, you're also facing many other life challenges, including financial. The good news is you may qualify for a LAPP disability pension.

You're Eligible for a LAPP Disability Pension If:

• You're vested; and
• You can't effectively perform your regular work duties or your disability prevents you from engaging in any gainful employment; and
• You're not able to start an unreduced pension; and
• You're not receiving a benefit from a disability plan filed with LAPP, or a Workers' Compensation Board (WCB) temporary total disability or temporary partial disability benefit.

How Do I Apply For a Disability Pension?

If you and your doctor(s) decide you're not able to continue working, complete the Disability Retirement Benefits Application Form and Confidential Medical Statement.

• Once you fill out the application, we will contact your listed doctor(s) for more information, and your doctor(s) can talk to you about any charges for medical reports.
• When we receive the medical reports from your doctor(s), they will be forwarded to an independent medical consultant (another doctor). This doctor will review the reports and advise LAPP, who will then use these opinions to verify the disability as well as determine if it's partial or total.
• A letter will be sent to you explaining whether your application has been approved and if it's a Total or Partial Disability Pension.
• If your application was denied, or if a Partial Disability was granted instead of a Total Disability Pension, you'll also be provided with instructions for requesting a decision review.

Frequently Asked Questions:

What if I'm Receiving Pay From a LAPP-Approved or WCB LTD Plan Through My Employer?

If you're off work while disabled and receiving a benefit from a disability plan filed with LAPP, or a WCB temporary total disability or temporary partial disability benefit, you're not able to receive a LAPP disability pension. You can apply for a LAPP disability pension when you're no longer eligible to receive LTD benefits or WCB Income Replacement.