How Much Is The Canada Pension Plan Lump Sum Death Benefit?

By: Myles O'Riordan
Wednesday, June 15, 2022

At Wagg Funeral Home, we've seen that several clients have queries regarding the CPP and its lump-sum payment. The following is some useful information.

What Does the CPP Encompass?

The CPP (Canada Pension Plan) death benefit is the lump-sum payment issued on behalf of a deceased CPP contributor who met the eligibility requirements. The CPP pension is provided to the surviving common-law partner or legal spouse of the departed contributor at the time of death.

If you are a legally divorced spouse and the deceased had no common-law partner, you may be eligible for this compensation. If you have been widowed many times, you will only receive one pension (the larger amount).

CPP will determine the CPP retirement pension sum, or what would've been if the deceased had been 65 years old. An additional computation will be performed, taking the survivor's current age at the time of the contributor's death into consideration.

Other Particulars Regarding the CPP Benefit

If there is an estate, a legal executor/court-appointed administrator will be responsible for administering the CPP. This benefit must be applied within 60 days after the deceased's passing.

If there is no estate or if the legal executor listed in the deceased person's will does not apply for CPP benefits, the pay-out will be issued in the following sequence or priority:

  • The institution or person who paid for or is liable for all funeral expenditures.
  • Surviving common-law partner/spouse of the deceased
  • The deceased's closest relative

These are the basic details about the Canada Pension plan. It's crucial that you collect accurate information about this if you are eligible for it. For any additional information about the Canada Lump-Sum Death Benefit, please call us and speak with Wagg Funeral Home’s funeral director.

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