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Step 1 Do you qualify3 W( R% g5 p& x! U4 C- F
To qualify for the survivor’s pension, you must:- A$ B+ D; g( j( y$ N
; m9 y0 t7 ~4 w# M qbe legally married to a deceased CPP contributor
P2 J" k& Z* v$ K! f# c) j% o& Qbe the common-law partner of a deceased CPP contributor
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2 Z4 c& a( g1 V# w! `The amount you receive as a surviving spouse or common-law partner will depend on:8 q* T( {7 L1 L4 a( P& V* A$ u
; L& B# E& B x' T: bwhether you are younger or older than age 65
+ R, z; j5 n8 Z5 J! dhow much, and for how long, the deceased contributor has paid into the CPP0 u# D. s0 |0 C1 I# L! W2 w
We first calculate the amount that the CPP retirement pension of the deceased is, or would have been, if the deceased had been age 65 at the time of death. Then, a further calculation is done based on the survivor's age at the time of the contributor's death.
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% G n8 r$ i& V' YIf you are age 65 or older
; J$ }* c, _7 R( ?4 Z+ s# yYou will receive 60% of the contributor's retirement pension, if you are not receiving other CPP benefits.. p) z/ d% I4 A$ I. [! G J
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If you are under age 65$ B2 a9 A5 G7 C) Q1 k$ r# e
You will receive a flat rate portion and 37.5% of the contributor's retirement pension, if you are not receiving other CPP benefits. |
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