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Financial PostMay 2023

What kind of CPP split can I expect from my former spouse?

Featured writing by Allan Norman · M.Sc. · CFP · CIM

The Short Version

After a separation or divorce, the CPP credits each partner built up during the relationship can be divided, and this piece explains what someone can reasonably expect from that process. The work isn't done by guesswork, Service Canada calculates the split based on the years the couple lived together and the pensionable earnings each had over that period, then evens out the credits between them. It's most relevant to anyone who has gone through a separation and is trying to understand how it affects their eventual retirement pension. The thinking it works through helps set expectations: the outcome depends on the specifics of each person's earnings history and time together, so the result can move in either direction, and it's worth understanding the mechanics rather than assuming the split will land a particular way.

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