Government Death Benefits in Ontario

Several government programs can help offset funeral costs. Learn about eligibility and how to apply for these benefits.

CPP Death Benefit

$2,500

One-time payment to the estate or eligible family members.

  • • Apply within 60 days of death
  • • Deceased must have CPP contributions
  • • Apply online or by mail

Official source

Ontario Works (OW)

Varies

Discretionary funeral assistance for OW recipients.

  • • Contact local OW office
  • • Must be OW recipient at death
  • • Covers basic funeral costs

Official source

ODSP Benefits

Varies

Funeral assistance for ODSP recipients.

  • • Apply through ODSP caseworker
  • • Must be ODSP recipient at death
  • • Amount determined by caseworker

Official source

How to Apply for CPP Death Benefit

Step 1: Gather Documents

You'll need the death certificate, SIN of the deceased, and proof of relationship or funeral expense payment.

Step 2: Complete Application

Apply online through My Service Canada Account or complete form ISP1200 and mail it. Official source

Step 3: Submit Within 60 Days

Applications should be submitted within 60 days of death, though late applications may still be accepted.

Frequently Asked Questions

What is the CPP death benefit?

The CPP death benefit is a one-time payment of $2,500 to the estate or eligible family members of a deceased CPP contributor. The deceased must have made enough contributions to the CPP during their working life.

Who is eligible for the CPP death benefit?

Eligibility requires the deceased to have made CPP contributions for the minimum qualifying period. The benefit can be claimed by the estate, surviving spouse/common-law partner, or next of kin who paid for funeral expenses.

Does Ontario Works cover funeral costs?

Yes, Ontario Works (OW) provides discretionary funeral benefits for recipients. The amount varies by municipality but typically covers basic funeral or cremation costs. Contact your local OW office for specific amounts.

What funeral assistance does ODSP provide?

ODSP (Ontario Disability Support Program) provides funeral benefits similar to OW. The amount is discretionary and intended to cover essential funeral costs. Apply through your ODSP caseworker.