Is CPP credit splitting mandatory in Ontario?

CPP credit splitting is mandatory in Ontario following divorce or separation, but can be waived by mutual agreement. The Canada Pension Plan (CPP) credit splitting process automatically divides pension credits earned during a marriage or common-law relationship when it ends. This division applies to couples in Ontario who separate or divorce, unless both parties specifically agree in writing to opt out. Credits are split equally for the period of cohabitation Both former spouses must apply to Service Canada within 48 months of separation The split applies even if one spouse never contributed to CPP Credit splitting cannot be reversed once approved This mandatory provision helps ensure financial fairness by recognizing both partners' contributions to the relationship, whether through paid employment or unpaid domestic responsibilities.

CPP Credit Splitting in Ontario: Mandatory After Divorce

CPP credit splitting is mandatory in Ontario following divorce or separation, but can be waived by mutual agreement.

The Canada Pension Plan (CPP) credit splitting process automatically divides pension credits earned during a marriage or common-law relationship when it ends. This division applies to couples in Ontario who separate or divorce, unless both parties specifically agree in writing to opt out.

Credits are split equally for the period of cohabitation
Both former spouses must apply to Service Canada within 48 months of separation
The split applies even if one spouse never contributed to CPP
Credit splitting cannot be reversed once approved

This mandatory provision helps ensure financial fairness by recognizing both partners’ contributions to the relationship, whether through paid employment or unpaid domestic responsibilities.