What is the Severe Permanent Disability Benefit?

Suffering an injury is something that can negatively affect your life. In some cases, the injury might be so severe that you are unable to work or enjoy life in the manner in which you are accustomed. If that is the case, you might wonder if you can apply for the Severe Permanent Disability Benefit. This benefit is only available to people who meet specific requirements.

What qualifies as a severe permanent disability?

A severe permanent disability means that you can’t do the activities required to join the labour force or to participate in post-secondary studies. The condition that meets the previous requirement must be expected to last your entire life. Additionally, you must be a permanent resident of Canada or a Canadian citizen. If your disability meets these three requirements, you can apply to receive the benefits.

How do I apply for the benefits?

You must fill out an application with the National Student Loans Service Centre. Part of this application must be signed by a nurse practitioner or physician. You can have someone else apply for you if he or she has legal authorization, such as a guardian appointment or a power of attorney.

What happens to student loans if I’m approved for benefits?

Your student loans can be canceled if you qualify for benefits. You should realize that you won’t be able to take out any future student loans if your loans are forgiven through this benefit program. There is also a Repayment Assistance Plan for Borrowers with a Permanent Disability program that would allow you to repay the loans.

You should make sure that you understand how different programs can affect you and help you. Knowing this information can help you to make choices about what programs to apply for.

Source: Government of Canada, “Apply for Severe Permanent Disability Benefit,” accessed June 20, 2016