I am my husbands 3 rd wife, my question is how his CCP pension will be divided between his ex, will they be entitled to

Hello! My name is Debra (formerly known as Legal Ease). Thank you for your question. I'm reviewing it now, and will post back again shortly.

The way this works is that when someone has a spouse and then they separate or divorce they can apply for a CPP credit split. Then each spouse shares in the other spouse's credits over the course of their relationship.

The credit split can be done at any time and then when the person wants to start receiving their CPP the amount they get is based on the credits they have in their account.

Do you see what I mean?

Please feel free to post back with any follow-up questions you may have. If you don't have any then I hope I have earned a 5 star rating but if you don't feel that I have please don't hesitate to reply back and let me know what more I can do to assist you. Finally, please know that even after you rate me I will be here for you and you can ask follow-up questions if you think of them later on at no further charge of course.

I am going to make up an example using fake numbers but you will see what I mean I hope.

When your husband was married to his first wife, lets say that over the course of their years together she received 100 credits and he received 300 credits.

The do a credit split and he gets 50 from her and she gets 150 from him. They both end up with 200 credits.

Then during the second marriage he earns 200 credits and she earns nothing. He gives her 100 credits. She gives him nothing. He has 300.

So now when it is time for him to get his CPP it is based on the 300 credits plus whatever other credits he earned over the course of is life that were not split.

He gets paid based on the credits in his account.

It makes no difference when his former spouses apply or what they get.