CPP Survivorship Calculator
Calculate Canada Pension Plan survivor benefits based on Section 58 of the CPP regulations. This calculator provides comprehensive estimates for various survivor situations.
Survivor Information
Survivor's Own Benefits (if applicable)
Contributor Information
Advanced Settings
Pension Indexes and YMPE
Pension indexes and YMPE values for precise Section 45(2) calculations
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Frequently Asked Questions
About This Calculator
The CPP Survivorship Calculator helps you understand survivor benefits under the Canada Pension Plan, specifically modeling the complex Section 58 rules that determine how much a surviving spouse receives. When a CPP recipient passes away, their surviving spouse may be eligible for a survivor's pension that combines with their own CPP retirement benefit, but the calculation is far from straightforward. Section 58 of the CPP legislation governs how these benefits are combined, including special provisions for survivors under age 65 versus those 65 and older. This calculator models both the deceased's CPP benefit and the survivor's own retirement benefit to determine the total monthly survivor pension. Understanding these benefits is crucial for retirement planning, estate planning, and ensuring your surviving spouse will have adequate income. The calculator accounts for age-based benefit reductions, maximum pensionable amounts, and the intricate rules around benefit combination that most Canadians find confusing.
Key Features
- Calculate CPP survivor benefits under Section 58 legislation
- Model benefits for survivors under age 65 and 65+
- Combine survivor's pension with their own CPP retirement benefit
- Account for deceased's CPP contribution history and benefit amount
- Show the impact of survivor's age on benefit calculations
- Calculate combined monthly benefits and annual totals
- Understand flat-rate vs earnings-related survivor benefit components
- Canadian government benefit rules updated for 2025
When to Use This Calculator
- Widows and widowers planning their retirement income after spouse's death
- Couples doing estate planning to understand survivor benefit scenarios
- Financial advisors helping clients model survivor income projections
- Individuals comparing survivor benefits at different ages
- Pre-retirees understanding the financial impact of losing a spouse
- Families navigating CPP survivor benefit applications
Legislative Implementation Notice
This calculator implements the exact formulas from Section 58 of the Canada Pension Plan Act. All calculations reference specific subsections and use the precise legislative language. For official determinations, contact Service Canada at 1-800-277-9914.