Can I receive CPP retirement and survivor pensions together?

Yes, but Service Canada combines them into one payment. The result is not normally the simple sum of both standalone benefits and cannot exceed the applicable combined maximum.

What is the 2026 combined CPP retirement and survivor maximum?

The published 2026 maximum combined retirement and survivor benefit is $1531.56 per month.

CPP Retirement + Survivor Benefit Calculator

See why your own retirement pension and a survivor pension do not simply add together, and estimate the combined monthly amount for planning.

01 —INPUTS

Your two CPP amounts

Survivor age

Deceased's CPP at age 65

Use the age-65-equivalent amount from Service Canada, not necessarily the last deposit.

Your own monthly CPP

02 —RESULTS

Estimated combined monthly CPP

$1,500

$18,000 per year

Standalone survivor amount

$600

60% formula, before combined-benefit adjustment

Combined-benefit adjustment

2026 planning cap $1,532/mo

03 —BREAKDOWN

Age formula60% of deceased age-65 CPP

Formula amount before survivor cap$600

Standalone survivor cap$905

Your own CPP included$900

Service Canada combines benefits using contribution histories and CPP enhancement rules. This is a planning estimate, not a benefit entitlement. The official combined amount is not simply the sum of two maximum pensions.

Why the combined amount is lower than a simple sum

Service Canada first calculates the survivor component and then applies combined-benefit rules and CPP enhancement adjustments. This calculator shows the published cap and a transparent planning adjustment; your My Service Canada Account amount remains authoritative.

CPP Retirement + Survivor Benefit Calculator

Your two CPP amounts

Why the combined amount is lower than a simple sum

Official sources

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