Two questions. My spouse is very ill and has been given a year to live. He presently has $30,000 worth of debt in credit

Hello - My name is ***** ***** I'm happy to assist you today. I am a Canadian lawyer who can answer questions about CPP benefits.

I am so sorry to hear about your situation.

If your husband passes away, you will receive his CPP retirement benefits in the form of a Survivor's Pension. The amount you receive will be 60 % of his CPP retirement benefits amount. Your CPP retirement benefits and the survivor benefits will be combined and paid out to you together. However, the combined amount cannot be more than the maximum CPP retirement benefit amount allowable for one person. The present maximum CPP allowable amount for 2020 is $1175 for new recipients.

It is important to apply for Survivors Pension as soon as possible if your spouse passes away because you can only be paid back a maximum of 12 months for late applications.

Here is the link to the Government of Canada CPP website which clearly explains all of this information

https://www.canada.ca/en/services/benefits/publicpensions/cpp/cpp-survivor-pension.html

Does this answer your question ?

There is a Death Benefit of $2500 which is a one time lump sum benefit you can apply for which is usually used to cover burial costs . Here is the link to the CPP website on how to apply

https://www.canada.ca/en/services/benefits/publicpensions/cpp/cpp-death-benefit.html

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