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Up to $5,000
available to most Canadian families — tax-free
7. CPP Death Benefit — Up to $5,000 Tax-Free
The CPP death benefit is a one-time, tax-free payment of up to $5,000 from the federal government, paid to the estate or family of a deceased contributor. Most working Canadians qualify — the deceased must have made enough CPP contributions during their working years.
Up to $5,000 (combined death benefit + additional top-up for low-income contributors). Tax-free. Application through Service Canada.
The base amount is up to $2,500, but low-income contributors can receive an additional top-up bringing the total to as much as $5,000. The application is free, takes about 6–12 weeks to process, and can be filed online or by mail.
8. CPP Survivor’s Pension — Monthly Payment to Spouse
The CPP survivor’s pension is a monthly payment to the surviving spouse, common-law partner, or dependent child of a deceased contributor. It’s paid in addition to the one-time death benefit, not instead of it.
Up to $750/month for surviving spouses under 65. Reduced for those 65+. Plus $250/month per child for dependent children under 18 (or 25 if in school).
Many surviving spouses don’t claim the survivor’s pension because they don’t realize it exists, or they assume they’re not eligible. The income test is based on the survivor’s own income, not the deceased’s, and is structured so that lower-income survivors qualify for the full amount.
What the $5,000 doesn’t cover →
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This article is for informational purposes only and does not constitute financial, tax, or legal advice. Benefit amounts, eligibility criteria, and program rules change frequently. Always verify current conditions with the relevant government agency (Service Canada, CRA, or provincial) before making any decision. Some links in this article are affiliate or partner links — we may receive a commission if you apply through them, at no extra cost to you.
