Losing a spouse is undoubtedly one of life’s most difficult moments. In Canada, the $1,647 Survivor Benefit, also known as the Allowance for the Survivor, aims to provide essential financial support to low-income widowed Canadians between the ages of 60 and 64.
This benefit is a lifeline, offering financial relief during a time of emotional hardship. If you or someone you know could benefit, this guide will explain who qualifies, how much you can receive, and when you can expect your payment.
Overview of the Survivor Benefit
The Allowance for the Survivor is a tax-free monthly payment to widowed individuals who are struggling financially.
It is designed to assist those who have not yet reached the full retirement age and are not yet eligible for Old Age Security (OAS) or the Guaranteed Income Supplement (GIS).
The maximum monthly benefit is $1,647.34 for April to June 2025, although the amount you receive depends on your annual income.
Program Summary
| Feature | Details |
|---|---|
| Benefit Name | Allowance for the Survivor |
| Monthly Amount | Up to $1,647.34 (Apr–Jun 2025) |
| Age Requirement | 60 to 64 years old |
| Marital Status | Widowed (not remarried or in a new partnership) |
| Income Limit | Net income under $29,712 |
| Residency Requirement | Lived in Canada for at least 10 years |
| Next Payment Date | June 28, 2025 |
| How to Apply | Online via My Service Canada or by mail (Form ISP-3008) |
What Is the Survivor Benefit?
The Allowance for the Survivor is a federal program paid monthly to widowed Canadians aged 60 to 64 with low income.
It is part of Canada’s Old Age Security (OAS) system, designed as a temporary bridge to full retirement benefits.
Payments are adjusted quarterly to keep up with inflation, ensuring that they align with the changing costs of living.
Why It Matters
Many seniors struggle with higher living costs such as rent, food, and healthcare. Over 40% of single seniors in Canada live on low incomes, and the Allowance for the Survivor provides crucial financial assistance to those who are no longer part of a working household but are not yet eligible for full retirement benefits.
Eligibility Criteria for the Survivor Benefit
To qualify for the Allowance for the Survivor, applicants must meet several conditions:
1. Age
You must be between 60 and 64 years old.
2. Marital Status
You must be legally widowed, not remarried, or in a new common-law relationship.
3. Income
Your total net income must be under $29,712 annually. This includes pensions, investments, part-time job earnings, and other taxable income.
4. Residency
You must have lived in Canada for at least 10 years since the age of 18. If you haven’t, you may still qualify if Canada has a social security agreement with your former country of residence.
Additional Notes
- Sponsored immigrants may still qualify if their sponsor has passed away, declared bankruptcy, or been imprisoned.
- You cannot be incarcerated in a federal prison.
Payment Amounts
The Allowance for the Survivor provides up to $1,647.34 per month from April to June 2025. However, the payment decreases as your income increases. Here’s an estimated breakdown based on annual income:
| Annual Income | Estimated Monthly Benefit |
|---|---|
| $0 – $5,000 | $1,647 |
| $12,000 | $1,200 – $1,300 |
| $20,000 | $800 – $1,000 |
| $28,000 | $100 – $300 |
Payment Dates
The Survivor Benefit payments are made on the same schedule as Old Age Security (OAS) payments. Here are the upcoming payment dates:
- June 28, 2025
- July 29, 2025
- August 28, 2025
- September 25, 2025
How to Apply
You can apply for the Allowance for the Survivor through two methods:
- Online
- Sign in or register at My Service Canada Account.
- Go to “Apply for Allowance for the Survivor”.
- Submit the required documents digitally.
- By Mail
- Download Form ISP-3008 from the Service Canada website.
- Include:
- Proof of age (birth certificate or passport).
- Proof of your spouse’s death.
- Proof of income (tax return or NOA).
- Mail it to the address listed on the form.
When to Apply
You can apply as soon as you turn 59 and can receive retroactive payments for up to 11 months. Processing can take between 6 to 12 weeks, so it’s crucial to apply early to avoid delays.
The Allowance for the Survivor offers essential financial support to widowed individuals between 60 and 64.
By understanding the eligibility criteria, payment amounts, and application process, you can ensure timely assistance during a challenging time. Be sure to apply early to receive the full benefit amount.
FAQs
How much will I receive from the Survivor Benefit?
You may receive up to $1,647.34 per month depending on your income. The amount decreases as your income approaches the $29,712 limit.
Can I apply for retroactive payments?
Yes, you can apply for retroactive payments up to 11 months after turning 59.
How do I apply for the Survivor Benefit?
You can apply online through My Service Canada or by mailing the required documents with Form ISP-3008.