Getting married/common-law—Retired member—Canadian Armed Forces pensions

• If you get married – submit your marriage certificate, a copy of the birth certificate(s) of your new spouse and any children to the Government of Canada Pension Centre. If either of you were previously married, you will also need to submit proof of the termination of the previous marriage(s) in the form of a death certificate or a Divorce Decree Absolute
• If you begin a common-law relationship (same sex or opposite sex) – provide the Government of Canada Pension Centre with a letter confirming your common-law relationship and a copy of the birth certificate(s) of your common-law partner and any children. Keep documentation that confirms your ongoing common-law relationship, such as income tax returns and bills, as your marital status at the time of your death must be confirmed. If you wish to provide information about your common-law relationship, the Statutory Declaration-Common Law (CF-FC 2016) may be sent to the Government of Canada Pension Centre along with other evidence that demonstrates the conjugal nature and the period of the relationship
• If you are a participant in the Supplementary Death Benefit (SDB) plan , you may want to review and, if necessary, update your beneficiary designation

It is important to notify the Government of Canada Pension Centre of any changes in your marital status because in the event of your death, your survivor's pension benefits may be processed more quickly if the Pension Centre has up-to-date information. This can help ease the financial and administrative burden on your spouse, common-law partner, family or estate. It also ensures that your death benefits are paid as you intended, without delay.

If you got married or your common-law partner has resided with you continuously since before you reached age 60, your spouse or common-law partner would be entitled a survivor pension upon your death.

If you are in receipt of a pension under the Regular Force Pension Plan, you can provide an Optional Survivor Benefit (OSB) for your new spouse or common-law partner if you get married or begin living with your common-law partner after age 60 only if you agree to reduce your current amount of pension in exchange for providing a survivor pension to your new spouse or common-law partner at your death.

If you choose to provide this survivor pension, you choose between providing a survivor pension of 30%, 40% or 50% of your own pension. Your pension would then be reduced depending on the survivor pension you choose: the greater the survivor pension, the greater the reduction to your pension. This option deemed to have been revoked upon the death of the spouse or common-law partner, or divorce or end of the common-law partnership, or if you reenroll in the Reserves or Regular Forces. For more information about this option, please contact the Government of Canada Pension Centre.

At present, there are no provisions for OSB under the Reserve Force Pension Plan and consequently, there are no survivor benefits for the spouses or common-law partners of annuitants if the marriage occurs or cohabitation in a relationship of a conjugal nature began on or after the annuitant reached age 60.

If you are interested in providing your spouse or common-law partner with this benefit, please contact the Government of Canada Pension Centre for an estimate. We will send you a letter providing you with an estimate of the survivor pension and the corresponding reduction to your monthly pension for each level of coverage. Instructions for making an election will be enclosed with the estimate letter.