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A Reference Guide - Old Age Security and Canada Pension Plan

and his/her spouse or common-law partner are both 60 or over, the individual can apply to share his/her CPP retirement pensions. This could result in income tax savings.
is recently widowed, he/she may be eligible for monthly survivor benefits. Dependent children up to the age of 25 may also be eligible (those between 18 and 25 must be in school full time). The CPP also offers a lump-sum death benefit to the estate of the contributor to help with funeral expenses.
is divorced or separated, CPP contributions made by the individual or common-law partner during the marriage or common-law relationship can be divided equally.
has children who were born after December 31, 1958, the child-rearing provision may help him or her qualify to increase his/her payments. In calculating an individual's benefits, the CPP can leave out the time when he or she had no income or a low income because he/she was raising children under the age of seven.
has lived or worked abroad, the individual or his/her family may be eligible for old age, retirement, disability, or survivor benefits from that country, from Canada, or from both.

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