本文发表在 rolia.net 枫下论坛Canada Pension Plan Survivor Benefits
1. What are Canada Pension Plan survivor benefits?
Canada Pension Plan survivor benefits are paid to a deceased contributor's estate, surviving spouse or common-law partner and dependent children. There are three types of benefits.
The death benefit is a one-time payment to, or on behalf of, the estate of a deceased Canada Pension Plan contributor;
The survivor's pension is a monthly pension paid to the surviving spouse or common-law partner of a deceased contributor;
The children's benefit is a monthly benefit for dependent children of a deceased contributor.
It is important to apply for Canada Pension Plan benefits. If you do not apply, you may lose benefits you are entitled to receive.
2. How long must I contribute for my survivors to receive benefits?
If your Canada Pension Plan "contributory period" is longer than nine years, you must have contributed in:
one third of the calendar years in your contributory period, or
10 calendar years, whichever is less.
There is a minimum contributory requirement of at least 3 years.
3. Who is eligible for survivor benefits?
The Canada Pension Plan death benefit is a one-time, lump-sum payment made to the deceased contributor's estate. If there is no estate, the person responsible for the funeral expenses, the surviving spouse or common-law partner or the next of kin may be eligible, in that order.
The Canada Pension Plan survivor's pension is paid to the person who, at the time of death, is the legal spouse or common-law partner of the deceased contributor (see definition of "spouse" and "common-law partner"). If you are a separated legal spouse and there is no cohabiting common-law partner, you may qualify for this benefit.
If your deceased same-sex common-law partner contributed to the Canada Pension Plan, you could be eligible for survivor's benefits.
The Canada Pension Plan children's benefit is paid to a dependent natural or adopted child of the deceased contributor, or a child in the care and control of the deceased contributor at the time of death. The child must be either under age 18, or between the ages of 18 and 25 and in full-time attendance at a school or university.
(See Children's Benefits for Students aged 18 to 25)
4. How much is the death benefit?
As with most Canada Pension Plan benefits, the amount of the death benefit depends on how much, and for how long, you paid into the Canada Pension Plan.
Canada Pension Plan first calculates the amount that your Canada Pension Plan retirement pension is, or would have been if you had been age 65 when death occurred. The death benefit is equal to six months' worth of this "calculated" retirement pension, up to a maximum of $2,500.
5. How much will a surviving spouse or common-law partner receive?
The amount a surviving spouse or common-law partner will receive depends on:更多精彩文章及讨论，请光临枫下论坛 rolia.net