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Social Insurance Benefits

The Canada Pension Plan (CPP) death benefit is a one-time,lump-sum payment to the estate on behalf of a deceased CPP contributor.

If an estate exists, the executor named in the will or the administrator named by the Court to administer the estate applies for the death benefit. The executor should apply for the benefit within 60 days of the date of death. The application for this benefit will take place during your Aftercare appointment with your funeral director.

If no estate exists or if the executor has not applied for the death benefit, payment may be made to other persons who apply for the benefit in the following order of priority:

  • ·        the person or institution that has paid for or that is responsible for paying for the funeral  expenses of the deceased;
  • ·        the surviving spouse or common-law partner of the deceased; or
  • ·        the next-of-kin of the deceased.

The surviving spouse and children of the deceased may also be entitled to ongoing benefits from cpp


  • The Canada Pension Plan (CPP) survivor's pension is paid to the person who, at the time of death, is the legal spouse or common-law partner of the deceased contributor.

    If you are a separated legal spouse and the deceased had no cohabiting common-law partner, you may qualify for this benefit.

    Note: Widowed more than once

    If you are widowed more than once, only one survivor's pension - the larger - will be paid.

    How much will I get?

    The amount you receive as a surviving spouse or common-law partner will depend on:

    whether you are also receiving a CPP disability benefit or retirement pension, your age,and

    how much,and for how long, the deceased contributor has paid into the CPP.

    CPP first calculates the amount that the CPP retirement pension 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.

    Your funeral director will assist you to complete these forms at your Aftercare appointment.

The Canada Pension Plan (CPP) children's benefits provide monthly payments to the dependent children of disabled or deceased CPP contributors.

The child must be either:

under age 18; or

under age 25 and in full-time attendance at a recognized school or university.

There are two types of CPP children's benefits:

A disabled contributor's child benefit – a monthly payment for a child of the person receiving a CPP disability benefit.

A surviving child's benefit – a monthly payment for a child of the deceased contributor. For the benefit to be paid, the deceased contributor must have made sufficient contributions to the CPP.

A maximum of two children’s benefits can be paid to a child

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