CPP Survivor & Death Benefits
Use the right 2026 tool for a monthly survivor pension, a combined CPP payment, or the one-time estate benefit.
CPP Survivor Pension Calculator
Estimate the standalone monthly survivor pension before or after age 65.
Combined CPP Benefit Calculator
Estimate retirement plus survivor CPP and see the combined-benefit cap.
CPP Death Benefit Calculator
Check the standard one-time amount and possible additional benefit.
What to have ready
- The deceased contributor's Social Insurance Number and contribution record.
- The survivor's age and current CPP retirement or disability payment.
- Estate documents and proof of death for a death-benefit application.
Frequently asked questions
How much is the CPP death benefit?
The standard CPP death benefit is a one-time payment of $2,500 paid to the estate (or, if there is no estate, to the person or institution that paid the funeral expenses, the surviving spouse/common-law partner, or the next of kin, in that order).
Can I receive both a CPP retirement pension and a survivor pension?
Yes, but the combined benefit is capped. In 2026 the maximum combined retirement-plus-survivor payment is $1531.56/month; the maximum combined disability-plus-survivor payment is $1756.14/month. Service Canada combines the two into a single monthly payment rather than paying both in full.
How much is the survivor pension before vs after age 65?
The calculation differs by age. Under 65, the pension is a flat amount plus a share of the deceased's retirement pension (2026 maximum $803.54/month). At 65 or older, it is a percentage of the deceased's retirement pension with no flat amount (2026 maximum $904.59/month).
Do dependent children get a CPP benefit too?
Yes. A dependent child of a deceased CPP contributor can receive a flat-rate monthly children's benefit — $307.81/month for a full-time student or child under 18, or $153.91/month for a part-time student, for 2026. This is separate from and paid on top of the survivor's own pension.