CPP Survivor Benefits: Who Qualifies and For How Long?

Written byPraveen Singh

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CPP Survivor Benefits 2024: The government of Canada offers the Canada Pension Plan to eligible residents of Canada. Apart from the original Canada Pension Plan, there are other CPP benefits. One of them is known as CPP Survivor Benefits. This benefit comes under the After Death CPP Benefits Section. Under the CPP Survivor Benefit, the government offers financial help to the legal spouse or common-law partner of the deceased person.

Please note that it is important for a deceased person to be a contributor to CPP to get the benefits. The authority provides the payment monthly to beneficiaries. Scroll down the page and get information such as eligibility criteria, application process and more.

CPP Survivor Benefits

The officials have provided detailed information regarding the Canada Pension Plan Survivor Benefits on the official website of the Government of Canada. The benefits will be offered to eligible candidates who have successfully applied for the benefits.

Interested candidates who are still not a part of the program and fulfill the eligibility conditions can apply for it online and offline. The benefits will be offered to beneficiaries directly into their bank account or they might receive the cheque payment which will be sent via mail.

CPP Survivor Benefits: Who Qualifies and For How Long?

Who Qualifies for the Canada Pension Plan Survivor Benefits?

Once, individuals understand the www.canada.ca Pension Survivor Benefits, it is important to ensure the eligibility criteria before completing the application process. The following are the detailed eligibility criteria to get the CPP Survivor Benefits:

  • Individuals must be legally married to a deceased Canada Pension Plan contributor.
  • Applicants must be the common-law partner of a deceased Canada Pension Plan contributor.
  • A common-law partner will be considered a person who lived with the applicants in a conjugal relationship for a minimum of 1 year.
  • Applicants who are widowed for more than once, only one survivor’s pension – the larger – will be offered.
  • The pension will continue even if the applicant remarries.

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How to apply online for the CPP Survivor Benefits?

Individuals who are interested in applying for the above-mentioned program online can understand it by reading the following section. Below is the step-by-step guide to complete the CPP Survivor Benefits application process:

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  • First of all, you must search the Government of Canada website using this link address: https://www.canada.ca/
  • Shortly after searching the link, the home page will open on the screen.
  • After that, you must visit the My Service Canada Account by clicking the relevant link.
  • Afterwards, log into the portal by providing the necessary login credentials and submit them.
  • Now get access to the CPP Survivor’s Pension Online Form start filling out the requested details on it and submit the same.
  • Then, mail the certified true copies of all the required documentation or drop them off at the nearest Service Canada office.
  • One must indicate the deceased contributor’s Social Insurance Number and the applicant’s own on all documents before sending them to the Service Canada office.

How to apply offline for the CPP Survivor Benefits?

The following section includes the detailed process which can be used by applicants to submit the application form offline. Below are the steps using which the application process will be completed:

  • First of all, get access to the offline application form for Canada Pension Plan survivor’s pension and children’s benefits application form (ISP1300) 
  • Fill out the details on the application form and attach the certified true copies of the necessary documents.
  • Then, mail the certified true copies of all the required documentation or drop them off at the nearest Service Canada office.
  • One must indicate the deceased contributor’s Social Insurance Number and the applicant’s own on all documents before sending them to the Service Canada office.

www.canada.ca Pension Survivor Benefits Payment Amount

The amount which will be offered to the surviving spouse or common-law partner depends on several factors. The following are the factors which will be considered to determine the payment amount:

  • whether the applicant is younger or older than age 65
  • The period and amount which the deceased contributor has paid into the CPP.

Beneficiaries will get a flat rate portion and 37.5% of the contributor’s retirement pension if they are not getting other CPP benefits and are less than 65 years old. They will get 60% of the contributor’s retirement pension if they are not getting other CPP benefits and are 65 years old or older. More information can be checked by visiting the Service Canada Office.

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Frequently Asked Questions

When should individuals apply for the CPP Survivor Benefits?
Individuals should apply for the CPP Survivor Benefits as soon as possible after the death of the contributor. If the person delays, they may lose benefits.

When will the beneficiaries get the CPP Survivor Benefits First Payment?
The pension of the survivors commences at the earliest the month after the death of the contributor. It takes around six to twelve weeks for the officials to issue the first payment from the date Service Canada gets the applicant’s complete application form.

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