Losing a spouse or common-law partner is both emotionally and financially challenging. To provide financial relief, the Canadian government offers the Allowance for the Survivor, a non-taxable monthly benefit for low-income individuals aged 60 to 64 who have lost their spouse or partner and have not remarried.
In March 2025, eligible individuals can receive up to $1,647.34 per month. This guide explains who qualifies, how to apply, and when payments are issued so you can access this vital financial support.
Key Details of the Survivor Allowance
| Feature | Details |
|---|---|
| Maximum Monthly Payment | $1,647.34 |
| Eligibility Age | 60 to 64 years |
| Income Threshold | Less than $29,712 annually |
| 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 |
What Is the Allowance for the Survivor?
The Allowance for the Survivor is a government benefit designed to support low-income Canadians who have lost their spouse or common-law partner.
- The payment is non-taxable and acts as a financial bridge until the recipient becomes eligible for Old Age Security (OAS) at age 65.
- The amount is calculated based on income and is adjusted quarterly for inflation.
In March 2025, the maximum monthly benefit is $1,647.34.
Who Is Eligible?
To qualify for the Allowance for the Survivor, you must meet the following requirements:
1. Age Requirement
Must be between 60 and 64 years old.
2. Marital Status
Your spouse or common-law partner has passed away.
You have not remarried or entered a new common-law relationship.
3. Residency Requirement
You must be a Canadian citizen or legal resident.
You must have lived in Canada for at least 10 years since age 18.
Note: If you have lived or worked in a country with a social security agreement with Canada, you may still qualify even if you have less than 10 years of Canadian residency.
4. Income Requirement
Your annual income must be below $29,712.
Income includes wages, pensions, and investment earnings.
How to Apply for the Survivor Allowance
Most applicants must apply manually to receive benefits. It’s recommended to apply as soon as you meet the eligibility criteria to avoid delays.
Step 1: Gather Required Documents
Before applying, prepare the following documents:
- Social Insurance Number (SIN)
- Details of your late spouse/common-law partner (SIN, date of birth, and date of death)
- Residency history since age 18
- Banking information (for direct deposit payments)
Step 2: Submit Your Application
Online: Apply through My Service Canada Account (MSCA).
- If you don’t have an account, you can register online.
By Mail:
- Download and complete Form ISP3008 (Application for Allowance for the Survivor).
- Mail it with certified copies of required documents to Service Canada.
Step 3: Await Confirmation
Once submitted, Service Canada will review your application and send you a notification letter.
Your approval letter will include:
Whether you are approved or denied.
Your monthly benefit amount.
The date your payments will start.
Important: If someone is assisting you with your application, complete the Consent to Communicate Information to an Authorized Person (ISP1603) form.
Payment Details
The maximum payment for March 2025 is $1,647.34 per month.
- Payments are non-taxable.
- The amount is adjusted quarterly (January, April, July, and October) based on the Consumer Price Index (CPI).
- Payments follow the Old Age Security (OAS) payment schedule.
2025 Survivor Allowance 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: Sign up for direct deposit to receive your payments faster and avoid delays.
The $1,647 Survivor Allowance provides crucial financial assistance for low-income Canadians aged 60 to 64 who have lost their spouse or partner.
If you believe you qualify, apply as soon as possible to ensure you receive your benefits without delay.
For more information, visit the Government of Canada’s official website.
