Losing a spouse or common-law partner is one of life’s most difficult moments, and for many, it also creates an immediate financial strain. For Canadians aged 60 to 64 living on limited income, that strain can be overwhelming. To help bridge the gap until retirement benefits kick in, the federal government is introducing the Allowance for the Survivor—a non-taxable monthly payment worth up to \$1,647.34 starting in June 2025.
This program, part of Old Age Security (OAS), is designed to give grieving partners financial breathing room while they plan their next steps toward retirement. Here’s a detailed breakdown of how the benefit works, who qualifies, and how to make sure you receive it on time.
What Is the Allowance for the Survivor?
The Allowance for the Survivor is a monthly income-tested benefit provided under the federal OAS program. It’s targeted at low-income Canadians in their early 60s who have lost their spouse or common-law partner and have not remarried. Payments are tax-free and adjusted based on the applicant’s previous year’s income.
Beginning June 2025, eligible recipients could receive up to \$1,647.34 per month, giving them crucial support until they reach age 65, when they can transition to full OAS and possibly the Guaranteed Income Supplement (GIS).
Who Is Eligible?
To qualify for the Allowance for the Survivor, applicants must meet all of the following requirements:
- Age Requirement: You must be between 60 and 64 years old. Applications are accepted up to 11 months before your 60th birthday.
- Residency: You must be living in Canada at the time of application and have lived in the country for at least 10 years after turning 18.
- Marital Status: Your spouse or common-law partner must have passed away, and you must not have remarried or entered a new common-law relationship.
- Income Limit: Your net annual income must be less than \$29,712. This figure is based on your previous year’s tax return.
If you are unsure about your eligibility, your CRA Notice of Assessment will confirm your official income from the previous year.
Payment Amounts – How Much Will You Receive?
The maximum monthly payment in June 2025 is \$1,647.34, but the exact amount you get depends on your net income from the previous year. The benefit decreases as income rises.
Example Payouts:
| Net Annual Income | Estimated Monthly Benefit |
|---|---|
| \$10,000 | ~\$1,094.75 |
| \$15,000 | ~\$817.62 |
| \$29,000 | ~\$91.80 |
| \$29,712+ | \$0 |
The lower your income, the higher your payment. The calculation is automatic once you apply, as the government uses your tax records to determine your entitlement.
First Payment Date and Retroactive Coverage
The first payments for the Allowance for the Survivor will be issued on June 26, 2025. Payments will then continue monthly.
If you qualify earlier than when you apply, you may receive retroactive payments for up to 11 months, as long as you met the eligibility criteria during that period.
How It Compares to the CPP Survivor’s Pension
While both programs offer support to those who have lost a partner, they work differently.
Comparison Table:
| Feature | Survivor Allowance | CPP Survivor Pension |
|---|---|---|
| Income-Tested | Yes | No |
| Max Monthly Amount | \$1,647.34 | ~\$647.41 |
| Based on CPP Contributions | No | Yes |
| Duration | Until age 65 | For life (if eligible) |
You can receive both benefits if you qualify, which can significantly improve your monthly income.
How to Apply
You can apply for the Allowance for the Survivor either online or by mail.
Applying Online
- Log in to your My Service Canada Account (MSCA).
- Select “Apply for a benefit”.
- Choose “Allowance for the Survivor”.
- Upload required documents, including:
- Death certificate of your spouse or partner
- Your Social Insurance Number (SIN)
- Proof of income
- Submit your application and save the confirmation number.
Applying by Mail
- Download and complete Form ISP-3008 (Application for the Allowance for the Survivor).
- Attach copies of required documents.
- Mail the completed form to your nearest Service Canada office.
- Allow about 12 weeks for processing.
Once approved, your payments will start the month after you become eligible.
Planning for the Transition to Age 65
The Allowance for the Survivor is meant to bridge the gap until you turn 65, but it doesn’t replace a full income. When you reach 65, the benefit will stop, and you may transition to OAS and GIS.
Financial Planning Tips:
- Budget Carefully: Track income and expenses to ensure the benefit covers essentials.
- Explore Provincial Benefits: Some provinces, such as British Columbia, offer senior supplements for extra support.
- Plan Ahead: Review your retirement income sources, including CPP, RRSPs, and personal savings.
- Seek Guidance: Use resources from the Financial Consumer Agency of Canada (FCAC) or speak with a non-profit credit counsellor.
Why Acting Quickly Matters
Applying early ensures you won’t miss out on months of payments. The 11-month retroactive limit means waiting too long could cost you hundreds—or even thousands—of dollars.
Grief can make administrative tasks feel overwhelming, but this benefit is designed to help you regain financial stability during a difficult time. By submitting your application promptly and keeping your income details updated, you can secure vital financial support when it’s needed most.
FAQs
Q1: Who qualifies for the \$1,647 survivor benefit?
A: Low-income Canadians aged 60–64 who have lost a spouse or common-law partner, meet residency requirements, and have not remarried.
Q2: When will payments begin?
A: The first payments will be made on June 26, 2025, with monthly payments thereafter.
Q3: Is the benefit taxable?
A: No, the Allowance for the Survivor is non-taxable.
Q4: Can I receive this benefit along with the CPP Survivor’s Pension?
A: Yes, you can receive both if you meet the eligibility requirements for each.
Q5: How do I apply?
A: You can apply online through My Service Canada Account or by mailing Form ISP-3008 with the required documents.