CPP Death Benefit — Claim the One-Time Payment Quickly So It Doesn’t Get Lost in Probate
What Is It?
The CPP death benefit is a one-time payment payable after a CPP contributor dies. Service Canada says the basic amount is $2,500, with a possible top-up that can bring the total to $5,000 in eligible cases for deaths on or after January 1, 2025.
What Most People Don’t Know
- The executor should apply quickly if there is an estate.
- If no estate exists, or the executor does not apply, other people may apply in order of priority.
- This is separate from survivor’s pension and children’s benefits.
Frequently Asked Questions
Who gets first priority to apply?
A: If an estate exists, the executor or court-appointed administrator applies first.
What if no estate exists?
A: Service Canada lists fallback priority applicants, including the person or institution responsible for funeral expenses, then the surviving spouse/common-law partner, then next-of-kin.