CPP Credit Split After Divorce — Permanently Divide Pension Credits Earned During the Relationship
What Is It?
After certain divorces, separations, or the end of common-law relationships, Service Canada can divide the CPP pension credits earned during the relationship. This is called credit splitting.
What Most People Don’t Know
- The split is permanent.
- One spouse may qualify even if they made little or no CPP contributions themselves.
- There is no time limit in some modern divorce/separation scenarios, though older cases can have deadlines.
- Spousal agreements do not always block a credit split.
Frequently Asked Questions
Can CPP credits be split even if one spouse did not contribute much?
A: Yes. Service Canada says credits can be divided even if one spouse or partner did not make CPP contributions.
Is there always a deadline to apply?
A: No. Service Canada says some post-1987 divorce/separation scenarios have no time limit, while older cases can.