An Employer’s Confirmation Form (OCF-2) is, as the name states, filled out by the employer to confirm the insured’s work history. It provides employment dates, basic income details, and information on the potential availability of other income replacement assistance (collaterals). All of this information would be used in the calculation of the Income Replacement Benefit (IRB).
It is, however, grossly deficient in outlining the information required from an employer in light of arbitration decisions over the years. Part of this is likely due to the OCF-2 having not been updated since 2004.
Deficiencies with the Form
Right off the bat, we can see this form presents a few issues as it pertains to relying on this information to calculate an IRB.
Summary: Unlike CPP disability benefits, CPP child benefits are not deductible as payments for loss of income from the IRB.
What is the CPP Child Benefit, and when is it paid?
Let’s first look at what a qualifying child is:
- The natural child of the CPP contributor
- A child “adopted legally” or “in fact” by the CPP contributor while under the age of 21
- A child “legally” or “in fact” in the custody and control of the CPP contributor while under the age of 21
Further, the dependent child must be either:
- under the age of 18, or,
- if between the ages of 18 and 25, they must be a full time student.
In regard to the benefit itself, there are two different types available:
- For a child who is in the care of an individual receiving the CPP disability benefit; and,
- For a child who was in the care of an individual at the time of the individual’s death.
In both instances, the individual must have made enough contributions to CPP to qualify. To determine whether an insured might qualify for CPP disability benefits, see our blog on that very topic.
The CPP child benefit is paid monthly and fluctuates annually with the Consumer Price Index. The payment is received as a single lump sum amount, combined with the CPP disability benefit. It is for this reason, you must be able to assess if CPP child benefits are being received.