In your above comment “When you turn age 65, you would lose the flat-rate portion”, is that always at age 65, or is it at the age when your CPP retirement pension begins (any date between age 60 and 70)? I’m still willing to help you straighten this out if you want to email me. If you’re under age 45 when your spouse dies, your survivor’s pension amount is reduced unless you are disabled yourself (the fact that he was receiving CPP disability when he died isn’t a factor) or unless you are looking after qualified dependent children. my question is.. my husband is on cpp disability benefits of 987.10 per month.
of my husband’s CPP and I feel that is not right. My head is spinning!! © 2002-2020 Ratehub Inc. All rights reserved. It’s nit rightly that the government gets to keep that money. When I started receiving the pension in 1999 it was around $3,50. Both of us had taken CPP before 65. “If they are still working and in a reasonably high tax bracket, then equity investors likely should delay as well, unless they can contribute the entire amount to their RRSP,” Rempel says. Is there an adjustment period once you turn 45? My husband was 58. Should one of us pass away, is the other still eligible for the CPP Survivor’s Pension even though we don’t live together? The formula for calculating a CPP survivor’s pension has always changed at age 65. Over a 5 year period the amount will be $9,010.80 in additional funds. We did not have a shared pension in any way and were not receiving the GIS.
I am 63 collecting 788 per month. Your site & articles is a great help. At the moment im $258.03. It should be ~$30/month higher & they owe me ~$2K in past under-payments. If you’re interested in this, email me at [email protected]. Does it apply to Option B? Thank you so much for this. This is the amount I will receive -$765.18 if I take my pension at the age of 60. 15 years. It seems foolish to work longer when my own contributions are not fully considered.
What amount might she be eligible for as a survivor pension? As stated before in options A or B, the surviving spouse’s own calculated (or unadjusted) retirement pension is considered in the calculation. My wife will be turning 60 in April. My wife has never had a paying job to pay into CPP in her own right and so has not got any CPP. Is she eligible for my CPP survivor’s pension. Hope this helps.
The best time to start CPP —if you don’t know when you will die By Jonathan Chevreau on November 27, 2017 Taking benefits later can pay off.
I pay 1/3 of my income in rent. My wife and I just got married. THANKS FOR ANY LIGHT YOU CAN SHED ON THIS.
I’m sorry if you thought that you would also receive a portion of his retirement pension from CPP.
Can you clarify the issue around adjusted CPP and the child rearing provision. I don’t think I can Retire until 60?
regards. I can’t understand why this would have happened. To make an appointment or get assistance, please fill out the service request form. There is therefore never a reason to defer receiving a CPP survivor’s pension.
Is the government contributing to my CPP or are they just keeping my and my employers money safe (ha ha)??
Doug, Thanks for much for sharing the complexity formula. I’m a little bit confused by what you’re saying happened after your wife passed away.
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