The Canada Pension Plan (CPP) Survivor Benefit has been increased in 2025, offering enhanced financial support to individuals who have lost a spouse or common-law partner.
This boost ensures that survivors receive additional assistance in times of need. Understanding the updated payment rates, eligibility requirements, and application process can help survivors access their full entitlements without delay.
What Is the CPP Survivor Benefit?
The CPP Survivor Benefit is a monthly payment made to the legal spouse or common-law partner of a deceased person who contributed to the Canada Pension Plan. The payment amount depends on the deceased’s CPP contributions and the survivor’s age.
This benefit helps bridge the financial gap caused by the loss of a partner, easing burdens related to living expenses, housing, or caregiving responsibilities.
2025 CPP Survivor Benefit Payment Increase
As of 2025, Canada Pension Plan Survivor Benefit payments have gone up to reflect changes in the cost of living. Survivors will now receive more monthly support depending on their age and the deceased’s contribution history.
Here’s a breakdown of the new maximum monthly amounts:
| Survivor’s Age | 2024 Monthly Amount | 2025 Monthly Amount | Increase |
|---|---|---|---|
| Under 65 | $707.95 | $726.65 | $18.70 |
| 65 and Over | $846.00 | $867.15 | $21.15 |
These figures reflect the maximum monthly payments. The actual amount each individual receives may be lower depending on the deceased’s contribution record and other personal factors.
Who Is Eligible for the CPP Survivor Benefit?
You may be eligible for the Canada Pension Plan Survivor Benefit in 2025 if:
- You are the legal spouse or common-law partner of the deceased.
- The deceased made sufficient CPP contributions during their working years.
- You were not separated at the time of death (in most cases).
- You meet age-related criteria, although survivors of any age may qualify depending on the situation.
Importantly, survivors do not need to be of retirement age to receive the benefit—eligibility begins as soon as your spouse or partner has passed and the criteria above are met.
How to Apply for the CPP Survivor Benefit
To receive the increased 2025 payments, follow these steps:
- Complete the Application Form: Fill out the CPP Survivor’s Benefit form with personal and deceased partner’s details.
- Gather Required Documents: Include a death certificate, proof of relationship, and any relevant SIN or CPP contribution documentation.
- Submit to Service Canada: Applications can be submitted by mail or dropped off at a local Service Canada Centre.
- Wait for Processing: Once submitted, processing typically takes several weeks. You’ll receive a confirmation and details about your monthly payment.
It’s best to apply as soon as possible following your partner’s passing, as retroactive payments are limited.
CPP Survivor Benefit Payment Dates – 2025 Schedule
CPP Survivor Benefits are paid monthly, typically on the third-last banking day of each month. Here’s the 2025 payment calendar:
| Month | Payment Date |
|---|---|
| January | January 29 |
| February | February 26 |
| March | March 27 |
| April | April 28 |
| May | May 28 |
| June | June 26 |
| July | July 29 |
| August | August 27 |
| September | September 25 |
| October | October 29 |
| November | November 26 |
| December | December 22 |
Make sure you’re enrolled in direct deposit to receive funds promptly.
The CPP Survivor Benefit increase in 2025 ensures survivors are better supported financially during times of loss. Whether you’re already receiving benefits or believe you may now be eligible, it’s essential to review the new payment amounts, understand the qualification requirements, and act swiftly to apply.
This update reflects the ongoing effort to provide meaningful help to Canadian families during challenging life transitions.
FAQs
Will I still receive the survivor benefit if I remarry?
Yes, remarrying or entering a new common-law relationship does not cancel your CPP Survivor Benefit.
How long after applying will I receive my first payment?
Most applications are processed within 6–12 weeks, depending on the completeness and accuracy of your submission.
Is the CPP Survivor Benefit taxed?
Yes, the amount received is considered taxable income and must be reported on your annual tax return.