Losing a spouse or common-law partner is a life-changing event that brings both emotional and financial hardships. To help ease these difficulties, the Canadian government offers the Allowance for the Survivor, a monthly benefit that is not subject to taxes.
This program is designed to support low-income individuals between the ages of 60 and 64 who have lost their spouse or common-law partner, and have not remarried or entered into a new common-law relationship.
As of March 2025, eligible applicants can receive up to $1,647.34 per month. This guide will explain the eligibility requirements, application process, and payment details, ensuring you have all the information you need to apply for this vital support.
What is the Allowance for the Survivor?
The Allowance for the Survivor is a crucial benefit provided by the Canadian government to assist low-income individuals who have lost their spouse or common-law partner.
It serves as a bridge to alleviate financial burdens until the individual becomes eligible for Old Age Security (OAS) at the age of 65.
This non-taxable monthly benefit is based on your income and offers a maximum amount of $1,647.34 per month as of March 2025, providing significant financial relief to those facing financial instability after the loss of their partner.
Eligibility for the Allowance for the Survivor
To qualify for the Allowance for the Survivor, you must meet several key criteria:
Age Requirement
- Must be between the ages of 60 and 64 (inclusive) at the time of application.
Marital Status
- Your spouse or common-law partner must have passed away.
- You cannot have remarried or entered into a new common-law relationship since your partner’s death.
Residency Requirement
- You must be a Canadian citizen or a legal resident at the time of approval.
- You must have lived in Canada for at least 10 years since the age of 18.
- Note: If you have lived or worked in a country that has a social security agreement with Canada, you may still be eligible for a partial benefit, even if you haven’t met the full 10-year residency requirement.
Income Requirement
- Annual income must be less than $29,712, which includes all earnings, pensions, or investment returns.
| Feature | Details |
|---|---|
| Maximum Monthly Payment | $1,647.34 |
| Eligibility Age | 60 to 64 years |
| Annual Income Threshold | Less than $29,712 |
| Residency Requirement | Minimum 10 years in Canada since age 18 |
| Application Process | Online via My Service Canada Account or by mail |
| Payment Dates | Monthly, aligned with Old Age Security (OAS) schedule |
| Official Resource | Government of Canada – Allowance for the Survivor |
How to Apply for Canada’s $1,647 Survivor Allowance
The application process for the Allowance for the Survivor is relatively straightforward, though it involves multiple steps. Here’s how you can apply:
1. Determine if You Need to Apply
- Most individuals must apply manually. It is advisable to apply as soon as you meet the eligibility criteria to avoid missing out on monthly payments.
2. Gather Necessary Documents
Ensure you have the following information ready before applying:
- Social Insurance Number (SIN)
- Details about your late spouse or common-law partner (including SIN, date of birth, and date of death)
- Proof of residency in Canada since age 18
- Banking information for direct deposit
3. Submit Your Application
You have two options for submitting your application:
- Online: Through the My Service Canada Account (MSCA). If you don’t have an account, you can easily create one online.
- By Mail: Download the ISP3008 application form, complete it, and mail it with certified true copies of the necessary documents to Service Canada.
4. Await Confirmation
Once your application is submitted, Service Canada will review it and notify you by mail. The notification will include:
- Whether your application was approved or rejected
- The amount you will receive
- The payment start date
Important: Double-check all your information to prevent delays. If you have someone helping you with the application, you must complete the Consent to Communicate Information to an Authorized Person (ISP1603) form.
Payment Details for the Survivor Allowance
The maximum monthly payment for March 2025 is $1,647.34. Payments are made monthly and follow the same schedule as Old Age Security (OAS) payments.
These payments are non-taxable and are adjusted quarterly (January, April, July, and October) to reflect changes in the Consumer Price Index.
2025 Payment Dates
| Month | Payment Date |
|---|---|
| January | January 29, 2025 |
| February | February 26, 2025 |
| March | March 27, 2025 |
| April | April 28, 2025 |
| May | May 28, 2025 |
| June | June 26, 2025 |
| July | July 29, 2025 |
| August | August 27, 2025 |
| September | September 26, 2025 |
| October | October 29, 2025 |
| November | November 27, 2025 |
| December | December 23, 2025 |
Tip: To receive your payments directly into your bank account, it is recommended to sign up for direct deposit.
The Allowance for the Survivor offers much-needed financial relief to low-income Canadians who have lost their spouse or common-law partner. With monthly payments of up to $1,647.34, this non-taxable benefit can help you navigate the difficult financial waters that often follow the loss of a loved one. Make sure to apply as soon as you meet the eligibility criteria and follow the steps outlined in this guide to maximize the benefits available to you.
FAQs
Who is eligible for the Survivor Allowance?
To qualify, you must be between the ages of 60 and 64, have lost your spouse or common-law partner, not have remarried, and meet the income and residency requirements.
How much is the Survivor Allowance?
The maximum monthly payment for March 2025 is $1,647.34.
How do I apply for the Survivor Allowance?
You can apply online through the My Service Canada Account or by mail using the ISP3008 form.
When will I receive my payment?
Payments are made monthly, aligned with the Old Age Security (OAS) schedule. For 2025, payments will be made on the last weekday of each month.