Canada’s Survivor Benefit provides essential financial support for low-income Canadians aged 60–64 who have lost a spouse or common-law partner.
The Allowance for the Survivor, which can offer up to $1,647.34 per month, is designed to help bridge the financial gap until individuals reach age 65, when they qualify for full Old Age Security (OAS) and the Guaranteed Income Supplement (GIS).
This article explains the key facts, eligibility requirements, payment details, and how to apply for this important benefit.
Key Facts About Canada’s $1,647 Survivor Benefit
| Benefit Name | Allowance for the Survivor |
|---|---|
| Target Group | Low-income Canadians aged 60–64 who have lost a spouse or common-law partner |
| Maximum Monthly Payment (April–June 2025) | $1,647.34 |
| Income Threshold | Previous year’s net income less than $29,712 |
| Next Payment Date | June 26, 2025 |
| Application Methods | Online via My Service Canada Account; paper form ISP-3008 |
| Retroactive Coverage | Up to 11 months prior to application |
| Comparison with CPP Survivor’s Pension | Income-tested versus contribution-based |
| Financial Planning Resources | Budgeting tips; Financial Consumer Agency of Canada (FCAC); credit counseling |
| Provincial Variations | No provincial variations, but extra support may apply (e.g., B.C. Senior’s Supplement, Québec’s Supplement to OAS) |
What Is the Allowance for the Survivor?
The Allowance for the Survivor is a non-taxable, income-tested benefit provided under Canada’s Old Age Security (OAS) program.
It helps Canadians aged 60–64 whose spouse or common-law partner has passed away, covering basic living expenses during a time of financial difficulty.
This support continues until the recipient turns 65, at which point they typically transition to full OAS benefits and may qualify for the Guaranteed Income Supplement (GIS).
History and Legislative Context
The Allowance for the Survivor was introduced in 1989 to assist individuals in the years before retirement who lose their main source of income.
With adjustments for inflation, the benefit has kept pace with the cost of living, reflecting the Consumer Price Index (CPI) to preserve purchasing power for seniors.
Eligibility Criteria
To qualify for the Allowance for the Survivor, applicants must meet the following requirements:
Age
- Be between 60 and 64 years old.
- Applications can be made up to 11 months before turning 60.
Residency
- Must be a resident of Canada at the time of application.
- Must have lived in Canada for at least 10 years after turning 18.
Marital Status
- The applicant’s spouse or common-law partner must be deceased.
- The applicant must not have remarried or entered into a new common-law relationship since their partner’s death.
Income Threshold
- The net income from the previous year must be less than $29,712.
Special Situations
- Joint Application: If both partners die in the same incident, the younger partner can apply once they turn 60.
- Temporary Absences: Short-term absences from Canada (e.g., for medical reasons) do not affect eligibility, as long as Canada remains the applicant’s primary residence.
How Much Will You Receive?
The maximum monthly benefit for April–June 2025 is $1,647.34. The actual amount received depends on the applicant’s net income from the previous year.
| Income Level | Monthly Benefit |
|---|---|
| Less than $29,712 | Full benefit ($1,647.34) |
| Between $0 and $29,712 | Pro-rated amount |
| Equal to or greater than $29,712 | No allowance |
Payment Calculation Example
If your net income was $15,000, your pro-rated benefit would be approximately $817.62 per month.
Comparison with CPP Survivor’s Pension
| Feature | Allowance for the Survivor | CPP Survivor’s Pension |
|---|---|---|
| Contribution Requirement | None | Must have contributed to CPP |
| Income Test | Yes | No |
| Eligibility Age | 60–64 | 60 or 65 (with reduction) |
| Maximum Payment (2025) | $1,647.34 | Approximately $647.41 on average |
| Benefit Duration | Until age 65 (transitions to OAS/GIS) | For life |
| Indexation | Quarterly CPI adjustments | Annual CPI adjustments |
Many individuals may qualify for both benefits, allowing for combined financial support.
Payment Schedule & Delivery
Payments for the Allowance for the Survivor follow the OAS disbursement schedule. For June 2025, payments will be made on June 26, 2025.
Delivery Methods
- Direct Deposit: This method ensures faster payments directly to your bank account.
- Cheque: If you haven’t set up direct deposit, a cheque will be mailed, arriving within three business days.
Setting Up Direct Deposit
- Log in to your My Service Canada Account (MSCA).
- Go to Profile Settings and select Direct Deposit.
- Enter your banking information and save changes.
- Direct deposit may take up to one full pay cycle to activate.
Step-by-Step Application Guide
1. Gather Required Documents
- Proof of death (e.g., death certificate).
- Proof of relationship (e.g., marriage certificate).
- Proof of age (e.g., birth certificate).
- Social Insurance Number (SIN).
- Banking Information for direct deposit.
- CRA Notice of Assessment for the previous tax year.
2. Application Methods
- Online: Via My Service Canada Account (MSCA).
- By Mail: Using the ISP-3008 form, send completed documents to the Service Canada address.
3. Track Application Status
- Online Applicants: Check in MSCA under “My Applications”.
- Mail Applicants: Processing may take up to 12 weeks. Call 1-800-277-9914 if needed.
4. Receive Payments
- Payments begin the month after you qualify.
- Retroactive payments can be issued for up to 11 months before the application.
The Allowance for the Survivor is a crucial financial lifeline for Canadians aged 60–64 who have lost their spouse or common-law partner.
By understanding the eligibility criteria, payment schedule, and application process, eligible individuals can access this support promptly. Make sure to gather the necessary documents and apply early to ensure you receive timely financial relief.
FAQs
How do I apply for the Allowance for the Survivor?
You can apply online via the My Service Canada Account (MSCA) or by mailing the ISP-3008 form with all required documents.
How much money will I receive from the Allowance for the Survivor?
The maximum benefit for April–June 2025 is $1,647.34 per month, but the amount is based on your previous year’s net income.
Can I receive both the Allowance for the Survivor and the CPP Survivor’s Pension?
Yes, it is possible to qualify for both benefits, providing additional financial support.