How Much Is The Canada Pension Plan Lump Sum Death Benefit?

At Cremation Care Centre we’ve noticed that some of our clients have queries related to the CPP is what the lump sum benefit amounts to. This information may help provide some clarity on the matter.

What Is The CPP?

The CPP or Canada Pension Plan death benefit is essentially a lump-sum payment, made on behalf of the qualified, deceased contributor. The survivor receives the CPP pension. At the time of the contributor’s death, the survivor could be the common-law partner or the contributor’s legal spouse.

If you are a separated spouse and the person did not have any common-law partner, you may be able to qualify for this benefit. If you’ve been widowed multiple times, you are eligible to receive the pension only of one survivor's pension (you will get the larger pension).

CPP calculates the CPP entire retirement pension amount/what it would’ve been if the deceased had been 65 years of age at the time of their death. The CPP will do a further calculation by considering the survivor’s age at the point of the contributor’s death.

Other Information About This Benefit

If the person had some estate, the court-appointed administrator/ legal executor or court- will manage all the details of the CPP process. This executor will need to apply for the benefit within a matter of 60 days of the contributor’s death.

If no estate exists or if the legal executor whose name is in the decedent’s will doesn’t go ahead with the application, other qualified individuals who apply for it will get the benefit in. This will occur in a certain order of priority as per the rules.

For more information about our services, call Cremation Care Centre at 416-255-0035. You can also use this online form, and one of our experts will contact you shortly to answer your questions and clear doubts that you may have about cremation and disposing of the ashes.