The CPP Death Benefit Nobody Claims
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The CPP Death Benefit Nobody Claims
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Three months into settling her mother's estate, Alison sat looking at a line on her own checklist that said "CPP death benefit," and couldn't tell whether she'd done it or not.
She had every reason to think it was handled. The funeral home had taken care of so much in those first days that she'd stopped tracking which agencies still needed something from her.
In this episode I'm covering what changed with the CPP death benefit on January 1, 2025, and why the new maximum reaches far fewer estates than the headlines suggest. Two people in the same family, with nearly the same work history, can leave estates that receive very different amounts, and the reason has nothing to do with how much either of them paid in.
I also get into the 60 day rule. Nearly everything written about this calls it a deadline for claiming the money, and that isn't what the legislation says. The difference matters a great deal if you're already past it.
And in the article I talk about the piece of paperwork families assume the funeral home filed, where Quebec's rules go their own way, and why $5,000 is never really $5,000 by the time it reaches anybody.
All is in the full article.
Disclaimer: This content is for general information only and is not legal, financial, medical, or tax advice.