I chose my latter spouse benefit because it was slightly more per month. Can you give me more details so that I can understand what happened in your case? He would continue to be eligible to the child benefits until age 25 if he was attending fulltime school/university after age 18, and the benefits would be paid directly to him during this period of time. Only the government could come up with that last bit (the Special adjustment to the surviving spouse’s retirement pension). I understand I cannot receive more than the maximum so I see no reason not to take mine when I turn 60 this year, unless I am missing some detail here? And OAS has no survivor benefit nor an estate value (CPP has a $2,500 death benefit). Great work but I am a bit confused by the reduction factors used in your example. -starting at 60, I’d get $723.22 for my CPP + $220.95 Survivor CPP for $ 944.17 Total CPP Hi Doug, Hi Derrick – Yes, there is a one-time lump sum death benefit of $2,500 that is payable upon application by the Executor of his estate or whoever paid the funeral expenses or his next-of-kin. He addressed every specific question\request I had. The CPP death benefit is a one-time payment intended to help with funeral costs. My fee for this service is $75. It can be retroactive for up to 11 months. Why do you think it’s going to change? In that instance, the combined survivor’s benefit could be somewhere between 36% and almost 60% (if their own retirement pension was very tiny). How can we contact the the office regarding CPP Survivors Pension through email? After patiently waiting to see what would happen in March, I now see that they have reduced my personal CPP by $96 from $965 to $869. Why cannot they have a simple calculation, a percentage of what he got without all the gobbgledeygook? Hi Sonia – There is no retroactivity to this change to the CPP legislation. If the beneficiary received payments by direct deposit, please have the bank return any payments deposited after the date of death to the originator, or send a cheque in Canadian funds made payable to the Receiver General for Canada to the office responsible for paying the deceased's OAS and CPP benefits. I don’t think you can reach them by email, at least not for any personal details. Thanks in advance for your insights on this matter! Hi Al – Although it’s true that you won’t receive any survivor’s pension, you will at least receive the “special adjustment” to your retirement pension. I am having troubles figuring out what I will receive from CPP when I retire. My understanding is the the QPP survivor’s benefit is higher than the CPP. what should I do to check this out? Hi Betty – What age was your husband when he started receiving his CPP in 2005? And if you do take your CPP now, whatever total amount you receive now will be reduced further when you turn age 65. I believe it has to be done within 60 days of death. I was told by CRA that I was not eligible for the CPP survivor pension because of my age and the fact that I had no children.

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