Colin Barry, MBA, P.Eng, CFP
CERTIFIED FINANCIAL PLANNER® Professional

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Personal Wealth and Finance

Does the CPP pension continue at death?

December 1, 2017

The CPP may offer a small death benefit but is generally not designed for providing a retirement income, or looking after a surviving spouse as he or she ages.

What happens if I die before I can apply for my retirement pension?

If you die before applying for your CPP retirement pension, CPP may not pay your retirement pension to anyone else unless: you were over 70 when you died and your estate submits a CPP retirement pension application no later than one year after your death. In this case, CPP may pay up to 12 months of retirement pension to your estate. There may be certain restrictions with regard to CPP with regard to legislation and CPP provisions so beware that you should talk to an advisor.

Also, your estate, spouse or common-law partner, or next-of-kin may be eligible for the CPP death benefit if minimum contribution requirements are met. In addition, your spouse or common-law partner may be eligible to receive the CPP survivor’s pension, and your dependent children may be eligible to receive the CPP children’s benefit.

Source: CRA, Canada.ca

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