Newspaper article The Canadian Press

New Round of CPP Changes End Age Restrictions on Survivor Benefits

Newspaper article The Canadian Press

New Round of CPP Changes End Age Restrictions on Survivor Benefits

Article excerpt

Widows win reprieve with CPP changes

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OTTAWA - Samantha MacDougall thought her fight to get her late partner's Canada Pension Plan benefits would take years.

The government ended the fight for her.

Newly approved changes to the Canada Pension Plan will mean widows and widowers, regardless of age, will receive full survivor benefits, changing five decades of federal policy.

The changes mean anyone under age 35 without children or a disability will receive benefits immediately, rather than having to wait to age 65, and will end benefit clawbacks for survivors under age 45.

Anyone previously denied survivor benefits because of the age rule will be able to re-apply for benefits when the rules take effect in 2019. Those receiving a reduced benefit will automatically see their benefits recalculated upwards.

The government estimates the changes will affect 40,000 people, about half of them being young survivors like MacDougall.

"It is the right thing to do and seeing as the change is being made, I must not be the only one who thinks so," said MacDougall, whose partner, Greg Weeks, died in 2013.

"It is exciting that no one else, including myself, is going to have to waste any of their precious living hours having to fight this (rule) any longer."

Federal research found the tight rules disqualified about one-third of widowed Canadians from immediate benefits, such as Jilian Derksen who was told she would have to wait until she turned 65 to collect payments.

A federal tribunal rejected her appeal of the decision, saying she had no hope of winning.

Derksen said she planned to submit anew her application for the benefits accrued by her husband Daniel, who died in 2016.

"This is great news, just when I thought rules can't be broken," she said.

For decades, the government maintained the age restrictions reflected the fact that a survivor with no children or disability ought to be able to adapt financially to the loss of a partner by going back to work. The benefits were paid out when the surviving spouse turned 65. …

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