What Happens to Your Canada Pension Plan Account When You Die
Quick Facts
Type
Government pension
Survivor Benefit
Up to 60% of contributor's pension
Children's Benefit
Dependent children may qualify
Step-by-Step Guide
Determine survivor benefit eligibility
The surviving spouse or common-law partner may receive up to 60% of the deceased's CPP retirement pension. Amount depends on the survivor's age and whether they receive their own CPP.
Apply for children's benefit
Dependent children under 18 (or 18-25 if in full-time school) may qualify for a CPP children's benefit. Submit Form ISP1300 for each eligible child.
Notify CPP of any address or banking changes
If the surviving spouse is already receiving CPP, update direct deposit and contact information to ensure uninterrupted payments.
Document Now Checklist
- CPP statement of contributions
- Survivor and dependent details
- CPP benefit amounts
- My Service Canada Account credentials
Last verified: June 2026. Platform policies may change. Verify current procedures directly with Canada Pension Plan. 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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