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McPhail & Perkins Funeral Home
85 Munroe Avenue East
Renfrew, ON CA
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Below is a description and basic eligibility requirements for the various government death and survivors’ benefits available through Canada Pension and Human Resources and Development Canada. This information is to be used as a guideline only. If you have any questions, please do not hesitate to call us at 432-2866.
This one-time benefit is available to anyone who has paid into Canada Pension for 10 years. Exceptions are made for those who retired within the first 10 years of the Canada Pension Plan’s existence, and paid into it for their last years of work. At the time of need, our staff will meet with you to fill and submit these forms.
The CPP Death Benefit is a one-time taxable benefit made payable to the estate, and the maximum amount is $2,500. If you are currently retired and receiving Canada Pension on a monthly basis, an easy calculation of what the benefit entitlement will be is to multiply your monthly CPP benefit by 6. This amount will be your CPP Death Benefit entitlement, up to the maximum of $2,500. If the amount you calculated is more than $2,500, your estate will simply receive the maximum amount of $2,500. If you are still working and not currently receiving Canada Pension, the amount will vary according to the amount paid in, and the duration of the time you have been contributing.
Canada Pension Survivor’s Benefit
This monthly benefit is available to the surviving spouse or common-law partner of someone who has met the requirements for the CPP Death Benefit listed above. As with the CPP Death Benefit, our staff will complete these forms with you and submit them.
The CPP Survivor’s Benefit is a monthly taxable benefit paid directly to the surviving spouse or common-law partner. This can be done through direct deposit. The monthly amount of this benefit varies greatly, however it can be as much as 60 percent of the deceased contributor’s monthly CPP retirement pension. If the surviving spouse or common-law partner is currently receiving the monthly CPP retirement pension, their total CPP entitlement will not exceed the individual maximum of $934.17 per month. This means that if you currently receive $800 per month from your CPP retirement pension, and your entitlement for the survivor’s benefit is deemed to be $400 per month, you will only receive the maximum of $934.17 per month in total.
Allowance for the Survivor
This monthly non-taxable benefit is available to the surviving spouse or common-law partner who is not yet eligible for Old Age Security Pension, and has an annual income of less than $21,120. The maximum amount payable per month is currently $1,050.68, though the average amount in 2009 was $604.66.
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