Did You Know? » Canada Pension Plan Credits


Spouses may apply to equally split the Canada Pension Plan credits accumulated by both parties during the spousal relationship.

This is particularly important where one spouse is not employed or otherwise does not contribute to CPP for some or all of the spousal relationship.

There is a limitation period (time limit) for an application for CPP credit splitting for common law spouses of 48 months.

There is no limitation period for spouses who are legally married to apply for CPP credit splitting, except in the event of the death of one spouse – in which case the limitation period is 36 months from the date of death.

If you have any inquiries regarding CPP or credit splitting, contact us and speak with one of our professionals.

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