What is A CPP Survivor's Pension & How Much Will I Get? (With Examples)

[@keenanp1]

This is the clearest video on survivor benefits that I have watched. Thank you.

[@jeanaquino5630]

Is it advisable to deduct 28% for federal withholding tax?

[@garvdarb]

Darcy! How can a Common Law spouse get CPP Survivor Benefits after 1 year when The Canada Pension Act does not recognize a Survivor Spouse if that Common Law Relationship is not at least 3 years

[@stewartstubbs5278]

Question: Will my survivors benefit monthly payment be lowered if I take my CPP early at 60yrs or will it stay the same till I reach 65yrs. My CPP is no where near the maximum. Thank you for any info.

[@patrickmcangus9977]

I have been receiving a survivor benefit for 10 years and in 2024 I will be 65 and will start receiving OAS. I began my own CPP when I was 61. Once I start receiving OAS does the survivor benefit change? I have heard it becomes lower. This to me seems unfair.

[@harveyellis6758]

OAS is not the trigger to impact the CPP benefit amount, it is you reaching age of 65. When you reach 65, the survivor portion of your current combined benefit will be recalculated. I have been attempting to get accurate information for about a year, have received 4 estimates from Service Canada - all with different amounts & with significant variance in the amount calculated.

[@grietfreese4114]

Excellent info. Thanks.

[@croweprivatewealth]

Glad to hear you found it helpful!

[@charlinemata4358]

What about when your spouse is not a canadian citizen..how can she claim the benefits?

[@maryjeanjones7569]

She won't get any CPP if she didn't pay into the program while working in Canada. CPP is paid by the employer and employee not the government.

[@jaideedave]

Char, did you get a clear answer? I'm retired overseas and my wife isn't Canadian citizen. I'm trying to find out if she can get the CPP survivors benefit. Tnx Dave

[@ThomasC-z4g]

Will you lose CPP survivor’s benefits if your spouse was retired and not contributing while deferring CPP?

[@solangeherault7038]

Thanks for sharing

[@donnapittman2650]

Excellent information. Thank you for this video.

[@alfonsogarcia608]

Thank you for explaining this so clearly, very valuable!

[@croweprivatewealth]

You are very welcome. Thanks for the feedback!

[@dbradleymacaskill]

Is anything clews back at age 65. I have a spousal pension and am approaching 60. I am thinking of taking it at 60 but am told I may be clawed back at 65. Is this true?

[@maryjeanjones7569]

It will be clawed back once you start collecting your own CPP. That doesn't mean 65 if you choose to collect your CPP at 70.

[@dbradleymacaskill]

How much is it clawed back?

[@maryjeanjones7569]

@@dbradleymacaskill - It's all based on how much you receive on your monthly CPP. Mine was reduced by a few hundred dollars monthly.

[@dbradleymacaskill]

Ok so I guess you can’t collect more than the max amount….

[@maryjeanjones7569]

@@dbradleymacaskill I guess, I've never asked. That makes sense.

[@downtownbrowne77]

Thanks for the great info.

[@croweprivatewealth]

Happy to be of help!

[@brianmcintyre8563]

If you merry a foriegn lady can they receive this pension?

[@maryjeanjones7569]

Unlikely because you have to work in Canada and pay into CPP in order to collect the Pension.

[@brianmcintyre8563]

@@maryjeanjones7569 I have worked in Canada all my life, can she receive the surviver benifeits for MY pension?

[@kevinwelsh7490]

@@maryjeanjones7569 my wife and I reside in Canada, I am over 65 and I have worked in Canada over 40 years, but she has not worked in Canada. Will she get CPP survivor benefits if I outlive her?

[@maryjeanjones7569]

@@kevinwelsh7490 She has to outlive you in order to receive the Survivors Benefit. That's why it's called the Survivors Benefit.

[@darlenehoward-l4j]

when ur divorced dont u get a portion of it

[@davidmarchand6371]

If a combined survivor’s pension + one's own CPP benefit amount at 60 would equal more than the maximum CPP benefit amount at 65, isn't it logical to not wait until 65 to start claiming CPP? I did hear elsewhere that starting CPP at 60 when receiving a survivor’s pension, we would actually receive a lower combined amount 5 years later at 65 than the combined amount from 60-65. Is this correct?

[@maryjeanjones7569]

Not necessarily because when you apply for your own CPP, it will be reduced if your already collecting a Survivor Benefit. You can not collect both full pensions.

[@สายใจปริงเกิล]

In the case of the death of the husband, how will the wife receive?

[@darlenehoward-l4j]

after 35 yrs being married