We’re not married. What happens to CPP benefits after we separate or one of us dies?
Question & AnswerWe’re not married. What happens to CPP benefits after we separate or one of us dies?
1. Complete your credit split form
Credit split form after separation
You or your partner can request the CPP credit split. A representative such as a lawyer can also make the request for you.
You can get the CPP Credit Split form (ISP1901) online from Service Canada’s website.
The information you give, for example, how long you lived together, affects the credit split. That information is sent to your partner. Both you and your partner have the right to challenge the information the other puts in the form.
Survivor’s pension and other benefit forms after your partner dies
After your partner’s death, you can apply for a survivor’s pension and other CPP benefits by getting relevant forms online from Service Canada’s website.
If you were living together with your partner for at least one year when your partner died, you may qualify for other CPP benefits like:
- You can apply for a death benefit. This is a one-time payment to help pay funeral and other expenses. It goes to the person or people who pay those expenses. This might be the person who administers the estate, the surviving partner, or next of kin.
- You can apply for an Allowance for the Survivor. This is a monthly payment to low income people who are aged 60 to 64. There are some other rules about who can get this benefit.
- You can apply for international benefits if you or your common-law partner lived outside of Canada at any point in time. The rules about who can get this benefit depend on which country you or your partner lived in and how long you lived there.
Help with the forms
Each form is part of an Application Kit that has instructions to help you apply. Each form also has an Information Sheet to help you fill out the form. You can contact Service Canada at 1-800-277-9914 for help with any of their forms.
Where to send your forms
Mail your completed form to your local Service Canada address. This address is listed at the end of the Application Kit, or you can find out the mailing address online.
It can take 6 – 12 weeks for Service Canada to respond every time you send them something.
You can contact Service Canada at 1-800-277-9914 to check the status of your form.