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

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Customer: Two questions
JA: I'll do all I can to help. Can you tell me more about what's going on?
Customer: My spouse is very ill and has been given a year to live. He presently has $30,000 worth of debt in credit cards, etc., but only $27,000 worth of life insurance. When he passes does his debt transfer over to me? The funeral home will have to paid out of this insurance too.
JA: What state is your spouse in? It matters because laws vary by location.
Customer: He has Parkinson's Lewy Body dementia and is in a severe state of dementia.
JA: What steps has he taken so far?
Customer: Nothing has been done except I am in the midst of purchasing our niche.
JA: Anything else you want the Lawyer to know before I connect you?
Customer: Yes. I know OAS dies with him, but a portion of CPP continues on to me as his spouse. Does that affect my CPP? Do they just add the two CPP's together and give me a small portion? I'm trying to see if I have enough to live on after he passes.
Answered by JJL11 in 14 mins 2 years ago
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JJL11, Expert

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 ?

Customer
I know there is a survivor benefit of about $2400 which will cover the cremation. Is the one you mention an on-going monthly payment or a one time allotment?
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JJL11, Expert

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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JJL11, Expert

Hello - I am following up to see if you have any further questions for me

If I have answered your question, please do not forget to submit a rating so that I can get credit for helping you.

A 5 star rating would be appreciated !

Thanks

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JJL11, Expert

Good morning - It would be appreciated if you could let me know if you still need my help. If you do not, please let me know so that I can conclude your inquiry.

Thanks

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