Benefits at a Glance

This chart summarizes the benefits payable to your eligible survivors in the event of your death after your first pension payment.

  Death before the 10-year pension guarantee period ends (with 10-year pension guarantee option selected) After 10-year pension guarantee period ends OR
10-year pension guarantee option not selected
Eligible spouse Death within 10 years of pension start date (with 10-year pension guarantee selected)
100% of your CPP-adjusted pension for the balance of 10 years' worth of pension payments or to your eligible spouse's date of death, if earlier
After 10-year period expires
OR
10-year pension guarantee not selected

Lifetime survivor pension at 50-75% of your CPP-adjusted pension (based on the option you selected prior to starting your pension)
Dependent children
(if there was no eligible spouse or after eligible spouse's death)
Death within 10 years of pension start date (with 10-year pension guarantee selected)
100% of your CPP-adjusted pension for the balance of 10 years' worth of pension payments or to the date the last child is no longer dependent, if earlier
After 10-year period expires
OR
10-year pension guarantee not selected

50-75% of your CPP-adjusted pension until the last child is no longer dependent
Estate Death within 10 years of pension start date (with 10-year pension guarantee selected)
Present value of remaining CPP-adjusted pension payments, within 10-year pension guarantee period paid as one lump sum
After 10-year period expires
OR
10-year pension guarantee not selected

No amount remains for your estate if you die after the 10-year pension guarantee period

Small pension amounts

In some cases, the amount of the spousal survivor benefit may fall below our threshold for payment as a monthly pension and survivors will receive a lump-sum payment. For small pension amounts, the payment options vary depending on two factors:

  1. the date you received your first pension payment (before or after July 1, 2012), and
  2. the age of your survivor (under or over age 71).

When we're informed of your death

We'll provide your survivor with their options and all of the information they need to receive their survivor benefit.