The family of every person who has paid into, and is eligible for Canada Pension Plan benefits, is entitled to a one-time CPP Death Benefit.  While in the past the amount of the benefit was variable, and indexed to inflation, the present policy is normally a flat rate payment of $2500., and it generally takes 60+ days for payment.

          Furthermore, the spouse and dependants of the deceased may be eligible for a Survivor's Benefit or Pension.

          As part of our normal service and practice, we automatically notify Income Securities of the death.  This is one of the reasons why we require the deceased's Social Insurance Number.  This notification serves several purposes:  it starts the process for the family to access the death benefits and any other survivors' benefits; it also stops further CPP and Old Age Security payments.  The estate is normally allowed to keep the payment for the month in which the death occurred.  If you receive any further cheques (as it sometimes takes a period of time for the system to stop), you will be required to return them.

          As there are a number of variables, and we do not wish to mislead you, we will only provide you with general information about the CPP benefits.  For definitive answers, you should contact Income Securities directly at 1-800-277-9914, or visit their offices on Alloy Drive in Thunder Bay.

          Likewise, we will automatically provide you with all of the necessary application forms to apply for the various benefits.  We can assist you in completing them, and will let you know what supporting documents you will require.  We also suggest that you hand-deliver them to the local office and ask them to check them over.  Do not mail them as this will cause a delay in payment.

          We trust that this information is of assistance to you.

  - John-Bryan Gardiner, Vice-President, Managing Partner.