Government Benefits

Government assistance for funerals exists to ease the financial burden that comes with someone’s passing. Work done in Canada, military service, cultural background, and the nature of someone’s passing may qualify the next of kin to receive assistance. Listed below are programs that offer such assistance.


CPP Death Benefit: 


What is the Canada Pension Plan Death Benefit? The CPP Death Benefit is a lump sum payment offered to individuals if the deceased has worked in Canada.

How much money will I receive? The amount of money received depends on how much the deceased has contributed to the Canada Pension Plan. The maximum amount is $2,500.

Who can receive this benefit?


  1. An administer appointed by the court
  2. The person responsible for funeral expenses
  3. The spouse or common-law partner of the deceased
  4. The next-of-kin

More information can be found here: https://www.canada.ca/en/services/benefits/publicpensions/cpp/cpp-death-benefit.html


What if the deceased worked or lived in Quebec?

The Canada Pension Plan does not operate in Quebec. Retraite Quebec provides similar benefits under the Quebec Pension Plan (QPP).

More information can be found here: https://www.rrq.gouv.qc.ca/en/programmes/regime_rentes/Pages/regime_rentes.aspx


CPP Survivor’s Pension: 


What is the Canada Pension Plan Survivor’s Pension? The CPP Survivor’s Pension is a portion of the contributor’s retirement pension offered to the surviving partner.

­How much will I receive? If the survivor is age 65 or more, they are entitled to receive 60 per cent of the contributor’s retirement pension, if the surviving spouse is not receiving other CPP benefits. More information for individuals under age 65 is provided in the link below.

Who can receive this benefit?

  1. Legal spouse
  2. Common-law partner
  3. Separated legal spouse (if the deceased had no cohabiting common-law partner)


More information can be found here:

https://www.canada.ca/en/services/benefits/publicpensions/cpp/cpp-survivor-pension.html


WSIB Survivors’ Benefits:


What are WSIB Survivors’ Benefits? WSIB offers five types of benefits:

  1. Burial Expenses: Payment of burial or cremation costs and potentially transport of a worker’s body back to their community, if they were working out of town.
  2. Crisis Intervention Counseling: A counselor is sent to see how they can help family members
  3. Bereavement Counseling: The surviving spouse and children are entitled to bereavement counseling.
  4. Labour Market Re-Entry: Assistance for the surviving spouse to re-enter the workforce, if necessary.
  5. Payment to Survivors: WSIB pays survivors and/or dependant children a lump sum payment and a continual monthly payment.


More information can be found here:

http://www.wsib.on.ca/


Last Post Fund:


What is the Last Post Fund? This service pays for the funeral and burial expenses of Veterans with insufficient means.

Who is Eligible? To be eligible for the program, Veterans must meet military service and financial criteria.

To meet the military service criteria, the Veteran must be:

  1.  A former member of the Canadian Forces or any predecessor Naval, Army or Air Forces of Canada or Newfoundland; or
  2.  A Canadian Merchant Navy Veteran of the Second World War or the Korean War; or
  3.  An Allied Veteran who served with the Allied Forces during the Second World War or the Korean War and has also lived in Canada for at least 10 years, or lived in Canada prior to enlisting and was living in Canada at time of death.


To meet the financial criteria, if service related criteria has been met, eligibility can be established in one of two ways:

1. Matter-of-Right

When a Veteran’s death is related to military service due to a condition for which Veterans Affairs Canada provided a disability benefit, assistance may be granted as a matter-of-right (no means testing). This must be determined by a medical authority from Veterans Affairs Canada.

2. Means Testing

Eligibility is based on net assets at the time of death.  If the assets of the deceased and the financial resources of the estate are insufficient to cover funeral and burial costs (according to the financial evaluation below), a total or partial coverage of the cost is possible. 


More information can be found here:

http://www.lastpostfund.ca/EN/funeral.php


Indigenous and Northern Affairs Canada (INAC):


How Can INAC Help? INAC can provide a benefit to Indigenous peoples to cover funeral and transport expenses.


What Does INAC Provide? Funeral and burial costs (not exceeding $3,500) and, when necessary, costs to repatriate the body (not exceeding $6,000) by rail, air, or vehicle transport.


Who is Eligible to Receive Assistance? For purposes of confirming the eligibility for IA benefits, the client must demonstrate that he/she is:


  1. ordinarily resident on-reserve;
  2. eligible for basic or special financial assistance (as defined by the province or territory of residence, and confirmed by an assessment covering employability, family composition and age, and financial resources available to the household; and;
  3. able to demonstrate a requirement for IA programs and services support and demonstrate they have no other source of funding to meet basic needs.



More information can be found here:

https://www.aadnc-aandc.gc.ca/DAM/DAM-INTER-HQ-HB/STAGING/texte-text/hb_sp_npm_mnp_1335464147597_eng.pdf