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Old 07-10-2016, 05:40 PM
-JR- -JR- is offline
 
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Default 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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Old 07-10-2016, 05:44 PM
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rottie rottie is offline
 
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Quote:
Originally Posted by -JR- View Post
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 ?
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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Old 07-10-2016, 05:50 PM
purgatory.sv purgatory.sv is offline
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The link works and is better that the one I had.
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Old 07-10-2016, 06:46 PM
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CaberTosser CaberTosser is offline
 
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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.
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Old 07-11-2016, 12:55 AM
Peter Gill Peter Gill is offline
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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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Old 07-11-2016, 01:10 AM
cranky cranky is offline
 
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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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Old 07-11-2016, 06:10 AM
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JohninAB JohninAB is offline
 
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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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Old 07-11-2016, 09:24 AM
Peter Gill Peter Gill is offline
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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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Old 07-11-2016, 11:21 AM
Skybuster Skybuster is offline
 
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Does this only apply to CPP, what about other pensions?
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Old 07-11-2016, 01:00 PM
riden riden is offline
 
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Quote:
Originally Posted by Skybuster View Post
Does this only apply to CPP, what about other pensions?
It applies to all pensions.

A pension is not personal property, it is joint property.
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Old 07-11-2016, 01:42 PM
avb3 avb3 is offline
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Quote:
Originally Posted by riden View Post
It applies to all pensions.

A pension is not personal property, it is joint property.
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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