If you are separating from a spouse (whether married or common law), don’t forget to turn your mind to splitting of Canada Pension Plan credits.  

It is a sometimes overlooked issue. Credit splitting may result in you qualifying for benefits or increasing such benefits. If you were in a common law relationship that ended after January 1, 1987, you must apply for credit splitting within 48 months of the date you began living apart (unless your common law spouse agrees in writing otherwise).  There is no time limit for married spouses who separate unless a spouse passes away. CPP credit splitting is done through Service Canada and there is a form to complete and supporting documentation to be submitted. Further information can be found at the following website:


Canada Pension Splitting