The driver died in a car accident. How does CPP death benefit work?

<The Canada Pension Plan (CPP) death benefit>

-It is a one-time payment, payable to the estate or other eligible individuals, on behalf of a deceased CPP contributor.

-The amount of the death benefit is a single payment of $2,500 for which you need to apply as soon as possible after the contributor’s death.

-In order to qualify for this benefit, the deceased must have made contributions to the Canada Pension Plan (CPP) for at least:

  • one-third of the calendar years in their contributory period for the base CPP, but no less than 3 calendar years, or
  • 10 calendar years

<The Canada Pension Plan (CPP) survivor’s pension>

-It is a monthly payment paid to the legal spouse or common-law partner of the deceased contributor.

The following conditions must be met in order to qualify for the survivor’s pension:

  • be legally married to a deceased CPP contributor
  • be the common-law partner of a deceased CPP contributor