Hello helpful people. I am a 63 year old female interior painter. I work for myself and have for many years. I owned and operated a b and b and a restaurant for many years. I raised my son on my own during that time. I loved my life even though there was never any extra money. I have always lived rurally and never needed a lot of money. I switched careers 10 years ago and started painting as it was something I was good at, after years of restoring a historical home for the b and b. I have always been a hard worker physically until I injured my knee in 2020. After waiting 3 years to be properly diagnosed I finally had surgery. Then I found out that because I had favoured the leg for 3 years by limping, that other problems had arisen in my leg and back. Cortisone injections would no longer help my pain. I decided to apply for CPP disability. I gathered all the required documentation from the doctors and submitted it. I received a call telling me that I was being denied! My heart sank. When I asked why I was told I was 3 months late in applying. This didn’t make sense to me. Apparently I would have had to apply within 15 months after turning 60. That made no sense. Why would I apply for disability benefits if I wasn’t disabled? She said that was the rule and there was no help for me. I have two years until I retire and I don’t know what to do. I don’t have computer skills or any experience at desk jobs. I can’t be on my feet for long without pain. I have no savings as I ‘ve never made enough to do so. I don’t need a lot of money to live happily. I never have. I love my rural life but now I’m in dire straits as I have bills to pay each month, the usual, like phone, electricity and food. I have never asked anyone for money in my life. I guess I’m like my Mother in that way. I am now desperate enough to ask! I want to thank those folks with big hearts who would be willing to give me a hand. You’ll never know how much I appreciate the help. Kim