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Step 1 Do you qualify! @( D* F# N" N! K' w* m- Q9 g* D
To qualify for the survivor’s pension, you must:
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1 R& a' V2 l4 _be legally married to a deceased CPP contributor
* ?8 v3 p/ b. G2 Ybe the common-law partner of a deceased CPP contributor! b" \: f2 L& ?& _7 C
& L5 ^5 c! h6 f1 m7 I3 P# J0 tThe amount you receive as a surviving spouse or common-law partner will depend on:5 ^& U L# [' R
1 Y$ d; ]( c+ S# e Zwhether you are younger or older than age 65
, v u: _& P& o* b- qhow much, and for how long, the deceased contributor has paid into the CPP
( Z8 c+ \% N8 K9 V7 {We first calculate the amount that the CPP retirement pension of the deceased is, or would have been, if the deceased had been age 65 at the time of death. Then, a further calculation is done based on the survivor's age at the time of the contributor's death.4 b5 e. Q0 Q8 Y7 o7 b4 q
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If you are age 65 or older# U# P+ W+ o5 l7 L* o+ x" Q# s+ r
You will receive 60% of the contributor's retirement pension, if you are not receiving other CPP benefits.2 L$ B4 p! q& v. ~8 a5 q9 ?2 l
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If you are under age 65
8 F1 N6 w) P6 s9 yYou will receive a flat rate portion and 37.5% of the contributor's retirement pension, if you are not receiving other CPP benefits. |
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