What Is the Survivor Allowance?
The Allowance for the Survivor is a non-taxable monthly payment for Canadians aged 60–64 who have lost a spouse or common-law partner and are on a low income. It serves as a bridge until they qualify for Old Age Security (65+).
- Maximum monthly payment: $1,647.34 (April–June 2025 level)
- Payment cycle: Quarterly OAS schedule – next payment: June 26, 2025
Who’s Eligible?
To receive the Survivor Allowance, you must meet all these criteria:
- Age: Between 60 and 64
- Marital status: Widowed and not in a new marriage/common-law relationship
- Residency: Canadian resident with at least 10 years of residency after age 18
- Income: Net annual income less than $29,712 (2025 threshold)
- Canada-based income: Must file a tax return for the previous year
If your income is above the threshold, your benefit will be reduced or eliminated.
Payment Details & Schedule
| Feature | Details |
|---|---|
| Next Payment Date | June 26, 2025 |
| Payment Amount | Up to $1,647.34/month |
| Pay Cycle | Monthly (Apr, May, Jun; next dates: July–Sept on July 29, etc.) |
| Delivery Method | Direct deposit (preferred) or cheque |
Payments align with the OAS schedule, ensuring consistent monthly support.
How the Amount Is Calculated
- If your net income ≤ $29,712, you’ll receive the full $1,647.34 monthly.
- For earned income above that, the benefit pro-rates gradually to zero at $29,712.
- If you apply late, the CRA can backdate payments for up to 11 months.
How to Apply
1. Online via My Service Canada Account (MSCA)
- Log in and choose “Allowance for the Survivor”
- Upload required documents:
- Marriage certificate
- Spouse’s death certificate
- Proof of income (Notice of Assessment)
- SIN and banking info
2. By Mail
- Download Form ISP-3008 from the Service Canada website
- Include clear copies of required documents above
- Send to the address listed on the form
3. Retroactive Payment:
- Eligible for up to 11 months before your application date
Example Breakdown
| Net Annual Income | Monthly Payment Estimate |
|---|---|
| $0 – $10,000 | ~$1,647 |
| $15,000 | ~$1,200 |
| $20,000 | ~$800 |
| $28,000 | ~$300 |
Benefit decreases steadily as net income approaches $29,712.
Transition to OAS
- At 65, Survivor Allowance stops
- You may then start receiving OAS and GIS, if eligible
- File your OAS application 6 months before your 65th birthday to avoid delay
Why It Matters
- Provides immediate financial relief after the loss of a spouse
- Helps with rent, groceries, utilities, and daily costs before full retirement benefits kick in
- Supports widowed seniors who often have little time to save
FAQs
1. Can I get Survivor Allowance and CPP Survivor’s Pension?
Yes, you may receive both, but the total cannot exceed individual program limits.
2. How do I track my application?
Log into My Service Canada Account—check the “My Applications” section. Mailed claims can take 6–12 weeks.
3. Does the payment affect other benefits?
No. The Allowance is non-taxable and doesn’t affect GIS, OAS, or provincial income supports.
4. I missed the May payment—what now?
Apply now. You may receive retroactive payments up to 11 months back.
5. What if my income changes?
Inform Service Canada ASAP. Your payment will be adjusted accordingly.
Final Thoughts
The $1,647 Survivor Allowance offers crucial support for widowed Canadians aged 60–64 heading toward retirement. To ensure you receive the June 26, 2025 payment:
- Confirm your income is under $29,712
- Submit your application via MSCA or mail promptly
- Provide all necessary documentation accurately
- Monitor your monthly payments and plan for OAS transition at 65