Pensions and benefits at death

Québec Pension Plan

  • death benefit could be paid to you. This benefit is taxable.
  • If your spouse contributed sufficiently to the Plan, you may be entitled to a surviving spouse's pension.
  • Your spouse's retirement pension will stop 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.
  • If your spouse had a dependent child under age 18, an orphan's pension could be paid to you.
  • The Application for Survivors' Benefits can be used to apply for a death benefit, an orphan's pension and a surviving spouse's pension.

Supplemental pension plans


  • Following your spouse's death, the balance of 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 sums that you receive are taxable, unless they can be transferred tax-free, for example, by a direct transfer from your spouse's LIRA to your RRSP.

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