What Happens to Your Canada Pension Plan (CPP) Account When You Die
Quick Facts
Type
Canadian pension plan
Survivor
Survivor pension available
Death benefit
One-time $2,500 payment
Step-by-Step Guide
Apply for CPP death benefit
Laws and processes vary significantly by country. Consult an international estate attorney. The CPP provides a one-time death benefit of up to $2,500. Apply through Service Canada.
Apply for CPP survivor pension
A surviving spouse or common-law partner may be eligible for an ongoing CPP survivor's pension. Apply through Service Canada.
Document Now Checklist
- Social Insurance Number (SIN)
- CPP contribution history
- Service Canada contact
- Eligible survivors
Last verified: June 2026. Platform policies may change. Verify current procedures directly with Canada Pension Plan (CPP). This guide is for informational purposes only and does not constitute legal advice.
Related Guides
Social Security
Social Security must be notified of death immediately. Benefits paid after death must be returned. Survivor benefits may be available.
IRS / Tax Returns
A final individual tax return must be filed for the year of death. Estates over $13.61M may owe federal estate tax.
Veterans Affairs (VA)
Veterans are entitled to burial benefits, a headstone or marker, a burial flag, and Presidential Memorial Certificate — all at no cost.
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