Rob, I am one who did, but I am not there anymore because I think the CP disability insurance payment is a great policy that is worth something; more than less, as the number of people who can enter CP based on the disability insurance is a lot higher than actual numbers. Once you look at it you will see you can get back to disability CP, if you have applied for regular CP just 3 months earlier. I for one am now on the plan it is better to spend some RRSP and defer CP until you are 65, alter all it is not a lot, but better than nothing.