Mrs. Zipper would receive a survivor's benefit. You pay more into SS down there than we do to CPP, so your payouts are justifiably more. That is compensated by every Canadian receiving Old Age Security at 65 of around $C6000. FYI, CPP drastically ramped up payroll deductions several years back, and it is now actuarily sound. My mother still receives a survivor SS cheque each month of around US$1000 from my father, who worked for the Wabash RR(which became the Norfolk Western RR) running through St. Thomas ON. She hates it when the US$ weakens against our $Loonie.