If you’re receiving disability benefits and wondering whether you can still hold a job, the answer in most cases is yes. There are, however, conditions. Understanding the rules is essential to ensuring remaining in good standing with these programs, which you may rely on for necessary support.
Here’s a breakdown of what you need to know, based on the two most common programs: ODSP and CPP Disability.
Ontario Disability Support Program (ODSP)
The Ontario Disability Support Program (ODSP) is designed to help people with disabilities cover the costs of living. But that doesn’t mean you’re barred from working. In fact, ODSP encourages employment and offers several supports to help you succeed in the workforce.
As of the most recent policy directives, you can earn up to $1,000 net per month without any impact on your ODSP payments. Once you exceed that threshold, 75% of your additional earnings are deducted from your monthly benefit.
Additional Supports
ODSP offers a range of employment-related supports, including:
- Employment Transition Benefit of up to $500
- Coverage for disability-related work expenses
- Extended health benefits if your income temporarily exceeds the limit
For more information, visit the ODSP overview page.
Canada Pension Plan Disability (CPP-D)
If you’re receiving federal benefits through the Canada Pension Plan Disability (CPP-D), the rules around employment are more restrictive than the ODSP. This program is intended for individuals whose disabilities prevent them from regularly engaging in “substantially gainful work.”
You can however get a job, but bear in mind that regular work that brings in a regular income may indicate to Service Canada that you no longer meet the criteria of having a "severe and prolonged disability.”
You may be allowed to test your ability to return to work through a Voluntary Declaration of Return to Work. This trial period allows you to assess whether regular employment is sustainable.
More information is available at Service Canada.
Get Legal Advice You Can Trust
Whether you’re on ODSP or CPP-D, it’s critical to understand your obligations. Failing to report income or exceeding permitted thresholds without notification can lead to overpayments, penalties, or even the loss of your benefits.
If you’re unsure about how employment might impact your specific situation, contact us at Blackburn Lawyers for a free consultation.
* Please note that the information in this article is not intended as legal advice, but rather as a general overview on the subject. If you are seeking legal advice, please consult with a lawyer.
