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Retirement
Voluntary Retirement Savings Plans (VRSPs)
Retiring as a couple
Information sessions concerning retirement
Financial planning for retirement
Income from a supplemental pension plan
Income from an LIRA or LIF
Sources of income at retirement
The retirement pension under the Québec Pension Plan
Transition toward retirement
Your situation changes
Moving
If You Separate
Disability
Going back to work
Death
Retirement
Voluntary Retirement Savings Plans (VRSPs)
Retiring as a couple
Information sessions concerning retirement
Financial planning for retirement
Income from a supplemental pension plan
Income from an LIRA or LIF
Sources of income at retirement
The retirement pension under the Québec Pension Plan
Transition toward retirement
Your situation changes
Moving
If You Separate
Disability
Going back to work
Death
Home
Retirement
Your situation changes
Death
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Your spouse dies
Québec Pension Plan
Death benefit
A
death benefit
could be paid to you. This benefit is taxable.
Retirement pension
Your spouse's retirement pension
stops being paid
following his or her death.
If you and your spouse had
pension sharing
, it will end at the end of the month in which your spouse died. You will then receive the same retirement pension (if any) that you were receiving before pension sharing began.
Surviving spouse's pension
If your spouse contributed sufficiently to the Plan, you may be entitled to a
surviving spouse's pension
, which is taxable. If you are already receiving your retirement pension, it will be
combined
with your surviving spouse's pension and paid in a single monthly amount.
At age 65, if you are receiving the
maximum retirement pension
payable according to the age at which you began receiving it, your surviving spouse's pension may be reduced to zero.
To apply for a surviving spouse's pension, file an
Application for Survivors' Benefits
online.
Supplemental pension plans
A pension plan may have specific provisions that apply in the event of your spouse's death or your death:
Defined benefit pension plan
Defined contribution pension plan
Simplified pension plan
(SIPP)
Following the death of your spouse, the balance in his or her locked-in retirement account (LIRA) or life income fund (LIF) will be paid to you. If you renounce entitlement, it will be paid to his or her heirs.
The amounts withdrawn are taxable, unless they can be transferred on a tax-free basis, for example, by a direct transfer from your spouse's
LIRA
to your
RRSP
.
Other useful information
See our section about
death
.
What do retirement plans provide when a contributor dies?
: Flash Retirement capsule
Practical corner
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Application for Survivors' Benefits Under the Québec Pension Plan
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