Splitting your pension credits

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What are CPP pension credits?

The CPP contributions you make over the years are called pension credits. Generally, the more credits you have, the higher your CPP benefits will be.

What is credit splitting?

When a marriage or common-law relationship ends, the CPP credits built up by a couple while they lived together can be divided equally between them. These credits can be split even if one spouse or common law-partner did not pay into the CPP.

The impact of credit splitting on spouses and common-law partners who are no longer together can vary considerably, depending on individual circumstances.

Note: Credits accumulated toward the Post-Retirement Benefit by an individual receiving the CPP retirement pension are not subject to credit splitting.

For more information on credit splitting, visit the Service Canada Web site or contact us.

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