What are the two qualifications required for a CPP disability benefit?

The correct answer is "severe and prolonged." The Canada Pension Plan (CPP) disability benefit is designed to provide financial support to individuals who are unable to work due to a disability. For a claimant to qualify for these benefits, their condition must meet two specific criteria: it must be severe and prolonged.

"Severe" means that the disability significantly impairs the individual's ability to perform any type of work. This requirement ensures that only those who truly cannot maintain gainful employment due to health reasons can access these benefits.

"Prolonged" refers to the expectation that the disability is long-term, lasting for an extended period or is likely to do so. This underscores that the CPP disability benefit is not intended for temporary conditions that may resolve relatively quickly. Instead, the program is aimed at assisting individuals who are facing long-lasting disabilities that hinder their capacity to work for the foreseeable future.

In contrast, the other options present qualifications that do not align with the criteria for CPP benefits. For example, "temporary" implies a short duration, which contradicts the program's intent to support those with enduring disabilities. The phrases "less severe" and "habitual" also fail to capture the seriousness and longevity of conditions necessary to qualify for benefits under the CPP