Early Retirement Pension and Disability
Would appreciate any input here. My spouse will be turning 60 this yr. He shows signs of early-onset dementia and might qualify for disability (he has already been severely restricted in what he can do at work). He is eligible for an early retirement pension through his workplace and we have inquired and been told that there is no benefit to taking a disability pension over an early retirement pension with his work plan. Therefore, he will probably just take the early retirement. It does sting, though, as he had planned to work to 65 and then retire (with more credited service, he would have a higher lifetime pension). We don't know what to do here. If he tries to apply for CPP disability or any other type of disability plan in Ontario, will he be limited or denied if he has already taken an early retirement? Thanks.