How is the CPP survivor pension calculated before age 65?

For a survivor under 65, Service Canada uses a flat-rate portion plus 37.5% of the deceased contributor's age-65 retirement pension. The 2026 monthly maximum is $803.54.

How is the CPP survivor pension calculated at age 65 or older?

At age 65 or older, the survivor pension is 60% of the deceased contributor's age-65 retirement pension, subject to a 2026 maximum of $904.59 per month.

Is the CPP survivor pension taxable?

Yes. CPP survivor benefits are taxable income. Service Canada does not automatically deduct income tax unless you request voluntary withholding.

CPP Survivor Pension Calculator

Estimate the standalone monthly survivor pension using the survivor's age and the deceased contributor's age-65-equivalent CPP retirement pension.

01 —INPUTS

Survivor and contributor details

Survivor age

Deceased's CPP at age 65

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

02 —RESULTS

Estimated survivor pension

$613

$7,358 per year

Standalone survivor amount

$613

Flat amount + 37.5% formula

Combined-benefit adjustment

2026 planning cap $1,532/mo

03 —BREAKDOWN

Age formulaFlat amount + 37.5%

Formula amount before survivor cap$613

Standalone survivor cap$804

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.

What this estimate includes

The under-65 formula combines a flat amount with 37.5% of the contributor's age-65 pension. The age-65-plus formula uses 60%. Service Canada applies the relevant maximum and may adjust the result when the survivor also receives CPP retirement or disability benefits.

CPP Survivor Pension Calculator

Survivor and contributor details

What this estimate includes

Official sources

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