Disability
Job and Life Changes

Disability

If you are unable to work due to a disability, the LPF offers a Disability Pension.

In order to qualify, you must provide proof that you have been approved for a disability pension under the CPP or the QPP and forward it to our office along with a Pension Application.  

Login to AccessLPF to complete and submit your application online or call the LPF Office for assistance. 

Pension contributions must have been remitted on your behalf within the 24 consecutive months immediately before your disability retirement date, unless you are able to provide evidence that you were disabled and receiving disability benefits, such as long-term disability benefits from an insurance, government or agency. Self-payments are not considered pension contributions for this requirement.

If you are approved to receive a Disability Pension,  you may be required, from time to time, to provide evidence that you continue to receive a disability pension under the CPP or the QPP or to be re-examined by a qualified physician.

Your Disability Pension from the LPF will immediately stop if you return to work and/or recover from your disability and cease to receive a disability pension from the CPP or QPP. You may then apply for an Early Retirement Pension, or another type of pension, depending on whether you qualify. You may re-apply for a Disability Pension, as long as you provide proof that your CPP/QPP Disability Pension has been reinstated or re-approved.

Shortened  Life Expectancy

In the unfortunate event that you become terminally ill, you may be able to access your pension benefit through the LPF Shortened Life Expectancy provision. To qualify, you must have a life expectancy of 24 months or less, and your spouse must willingly waive his/her entitlement to the survivor benefit. If approved, you will receive the commuted value of your pension benefit as a lump sum cash payment less the applicable income tax or you can choose to transfer the commuted value of your pension benefit into an RRSP and avoid income tax deductions.

To apply for this benefit, please contact the LPF office and speak to a Pension Benefits Analyst.