Impact on Your Pension
Your pension will be reduced slightly to provide for a survivor pension higher than 50%*. The reduction to your pension depends on the age of you and your eligible spouse, and the survivor pension you choose. This reduction is permanent during your lifetime, even if your eligible spouse dies before you do or you separate/divorce after receiving your first pension payment.
*Your survivor's pension is always based on your pension after the CPP adjustment, even if you die before you reach age 65.
For most members who choose a 60% pension, their pension is reduced by about 1%.