The definition of disability according to your supplemental pension plan and LIF

Defined contribution pension plan and defined benefit pension plan

If your plan provides for a refund

You must have a physical or mental disability that reduces your life expectancy. It is not necessary for the reduction to be significant.

However, your plan may have stricter eligibility conditions.

If your plan provides for a disability pension

You must have a physical or mental disability that requires you to:

• stop working for the employer offering the plan
  
  or
  
• end your active membership in the plan

However, your plan may have stricter eligibility conditions.

Simplified pension plan (SIPP) or locked-in retirement account (LIRA)

A medical certificate must indicate that you have a physical or mental disability that reduces your life expectancy. It is not necessary for the reduction to be significant.

The financial institution can neither tighten nor loosen those restrictions.