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07-10-2016, 05:40 PM
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Join Date: May 2007
Location: Edm.
Posts: 4,845
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Divorced ,ex wife gets half of CPP
Was told ex wife can get half of your CPP ,for the amount of years couple were married!
When does she collect. When the male turns 60 or when she turns 60 ?
Do they notify her or does she have to apply ?
Can she include years living together before marriage ?
Does it work both ways....can the man go after hers ?
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07-10-2016, 05:44 PM
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Join Date: Jun 2008
Location: Lacombe
Posts: 2,462
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Quote:
Originally Posted by -JR-
Was told ex wife can get half of your CPP ,for the amount of years couple were married!
When does she collect. When the male turns 60 or when she turns 60 ?
Do they notify her or does she have to apply ?
Can she include years living together before marriage ?
Does it work both ways....can the man go after hers ?
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Don't all the ins and outs of it, but yes she can go for half his pension for the years they were together. Yes it goes both ways.
Hope the link works, it might help you out.
http://www.esdc.gc.ca/en/cpp/credit_splitting.page?
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07-10-2016, 05:50 PM
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Banned
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Join Date: Mar 2009
Posts: 5,296
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The link works and is better that the one I had.
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07-10-2016, 06:46 PM
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Join Date: Aug 2007
Location: Calgary
Posts: 19,417
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It does go both ways, I know a retired woman who is stuck between the decision of cutting loose her lazy pothead husband who was supported by her for most of their marriage, or letting him have half her CPP and public sector pension.
__________________
"The trouble with people idiot-proofing things, is the resulting evolution of the idiot." Me
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07-11-2016, 12:55 AM
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Banned
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Join Date: Sep 2012
Posts: 425
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CPP transfers a portion of your accumulated contributions. An application has to be made. I think, but am not sure, that you can apply for half of hers as well.
Once the transfer is made there is nothing further required on your part.
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07-11-2016, 01:10 AM
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Join Date: May 2011
Location: Edmonton
Posts: 1,457
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Things have changed now. I forget the date it changed but its automatic now. She no longer has to apply. CPP splitting with ex starts when she turns 65 and of course you would need to be 65 as well. They will send a letter out quite a ways ahead of the time. All you can do is contest date married or lived together re:start and stop dates.
I just recently went through all this with a friend and have read the communications from Gov't. to him. He was 69 at the time she turned 65 so he got the full amount for quite a few years till she turned 65.
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07-11-2016, 06:10 AM
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Join Date: May 2007
Location: West Central Alberta
Posts: 6,668
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My understanding is if your ex worked and contributed to CPP then they look at the difference in contribution rates based on pensionable earnings and calculated payouts at 65. She then gets a portion of that difference for the years you were together only. She does not not automatically get half of your total CPP. She can collect when she turns 65.
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07-11-2016, 09:24 AM
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Banned
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Join Date: Sep 2012
Posts: 425
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No, she still has to apply via CPP Credit Split form (ISP1901). There is no deadline for application.
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07-11-2016, 11:21 AM
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Join Date: Aug 2007
Location: Kelowna B.C.
Posts: 1,289
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Does this only apply to CPP, what about other pensions?
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07-11-2016, 01:00 PM
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Join Date: Sep 2011
Posts: 3,541
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Quote:
Originally Posted by Skybuster
Does this only apply to CPP, what about other pensions?
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It applies to all pensions.
A pension is not personal property, it is joint property.
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07-11-2016, 01:42 PM
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Banned
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Join Date: Jan 2008
Location: Central Alberta
Posts: 7,861
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Quote:
Originally Posted by riden
It applies to all pensions.
A pension is not personal property, it is joint property.
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Not quite. The CPP division can be invoked at any time by either party years after a divorce or property settlement.
All other pensions are decided at the time property settlement. Frequently one party may get more property, but waives rights to a pension.
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