Okay this is gonna sound really stupid but I am having a hard time wrapping my head around this. I just can't seem to get a clear answer.

Taking CPP as an example here, let's say you have $50k in pension and likewise for your spouse. For the context of this scenario let's say you have kids. You just retired and are receiving your monthly pension amounts and so is your spouse.

1 month into retirement you kick the bucket. Now at this moment I know that your spouse would receive payment amounts from your pension to make up the difference from her pension to the ma monthly amount. So if she was receiving $1200/month and the max is $1500/month, she would get $300 from your pension correct? There is also a one-time $2500 death benefit that she would be eligible for.

With me so far?

Now let's say you both die immediately upon retirement. What happens to your pension amounts? Do the kids get it in a lump sum? Does the government keep it? Where does the money go if it hasn't been exhausted?

Edit: I guess wanting to educate yourself and get a better understanding earns you downvotes? This sub is weird sometimes.