What could happen to your pension benefit if your spousal relationship ends?

After retirement

If your spousal relationship ends after you retire and start receiving pension payments, your former eligible spouse will be able to receive the pension benefit payments from the date stated in the court order or domestic contract as long as the date is in the future. Pension payments cannot be backdated. The end of the spousal relationship after retirement does not affect the ex-spouse's eligibility for a survivor pension under the Plan.

If you die

If you die before your pension begins, your spouse may be eligible for a portion of the death benefit payable under the Plan, depending on the terms of the domestic contract or court order, and subject to the 50% rule.


While you are receiving your pension, it is exempt from most creditors. The exceptions are Canada Revenue Agency, your former spouse in the case of a marriage breakdown, and orders for child support.