Losing a partner is emotionally devastating—but for many, it also triggers a severe financial burden, especially when living on limited income. To help in such difficult times, the Government of Canada provides a targeted financial support program known as the Allowance for the Survivor. Set to pay $1,647.34 per month in June 2025, this benefit offers significant assistance to eligible individuals between the ages of 60 and 64 who have lost a spouse or common-law partner.
This article explains who can receive this allowance, how to apply, and what documents you need, ensuring you don’t miss out on crucial support.
What Is the Survivor’s Allowance?
The Survivor’s Allowance is a monthly financial benefit provided under the Old Age Security (OAS) program. It is specifically intended for low-income individuals aged 60 to 64 whose spouse or common-law partner has passed away. The allowance acts as temporary financial relief before recipients become eligible for full OAS and Guaranteed Income Supplement (GIS) payments at age 65.
In June 2025, the maximum monthly payment is $1,647.34, subject to income-based reductions.
Who Is Eligible for the Survivor’s Allowance?
To qualify for this benefit, you must meet all of the following conditions:
- Age Requirement: You must be between 60 and 64 years old. Applications can be submitted up to 11 months before turning 60.
- Citizenship and Residency: You must be a Canadian citizen or legal resident, and must have lived in Canada for at least 10 years after age 18.
- Marital Status: Your spouse or common-law partner must be deceased, and you must not have remarried or entered into a new partnership.
- Annual Income: Your total net income for the previous tax year must be less than $29,712. If your income exceeds this limit, you won’t qualify.
- Special Circumstances: In the event of both spouses dying in the same accident, the survivor can apply based on the younger partner.
How Much Money Can You Receive?
The maximum monthly benefit for June 2025 is $1,647.34. However, if your net income is higher, your benefit amount will be reduced proportionally.
For instance, if your income is $15,000 annually, you may receive approximately $817.62 per month. The benefit scales according to need, ensuring the most help goes to the lowest-income individuals.
Survivor’s Allowance vs. CPP Survivor’s Pension: What’s the Difference?
Many people confuse the Survivor’s Allowance with the Canada Pension Plan (CPP) Survivor’s Pension, but they are distinct programs. Here’s a quick comparison:
| Feature | Survivor’s Allowance | CPP Survivor’s Pension |
|---|---|---|
| CPP Contributions Needed | No | Yes |
| Income-Tested | Yes | No |
| Eligibility Age | 60 to 64 | 60 or 65 and older |
| Payment Duration | Until age 65 | Lifetime (based on CPP rules) |
| Max Monthly (2025) | $1,647.34 | Average around $647.41 |
You can apply for both if eligible, and may receive combined benefits for better support.
When Will the June 2025 Payment Be Made?
The next payment for the Allowance for the Survivor is scheduled for June 26, 2025.
Payment Methods:
- Direct Deposit: Recommended for fastest delivery. Funds are credited same-day.
- Cheque by Mail: Takes up to 3 business days post-issue.
Setting Up Direct Deposit
To receive your payment quickly, follow these steps:
- Log in to My Service Canada Account (MSCA)
- Click on ‘Direct Deposit’
- Enter the following:
- Institution Number
- Branch Number
- Bank Account Number
- Save and confirm
Step 1: Gather Necessary Documents
Before applying, collect the following:
- Death certificate or funeral statement
- Marriage certificate or declaration of common-law partnership
- Your birth certificate or passport
- Social Insurance Number (SIN)
- Banking details for direct deposit
- Previous year’s income report (from CRA)
Step 2: Choose Your Application Method
Online Application via MSCA:
- Sign into My Service Canada Account
- Click on “Apply for a benefit”
- Choose “Allowance for the Survivor”
- Upload documents and submit
- Receive a confirmation number
Paper Application (Form ISP-3008):
- Download Form ISP-3008 from Service Canada
- Fill all sections, attach documents
- Mail to the address provided on the form
- Include a cover letter with your contact details
Step 3: Track Application Status
- Online: Check status in My Applications on MSCA
- By Mail: Wait up to 12 weeks; then call 1-800-277-9914
Step 4: Payment Timeline
- Payments begin in the month after approval
- You may receive up to 11 months of retroactive payments, depending on when you applied
Why This Benefit Matters
The Survivor’s Allowance provides critical financial relief to Canadians facing personal loss and economic stress. It fills the income gap until age 65, helping citizens manage daily expenses like rent, groceries, and healthcare.
This program not only reduces financial strain—it empowers grieving individuals to live with dignity and stability during an emotionally turbulent time.
FAQs
Q1. Who qualifies for the $1,647 Survivor’s Allowance in Canada?
A. Canadians aged 60–64 with low income who have lost a spouse or common-law partner and meet residency and income criteria.
Q2. When is the June 2025 payment date?
A. Payments will be made on June 26, 2025. Direct deposit is fastest; mailed cheques take a few days longer.
Q3. How is this different from the CPP Survivor’s Pension?
A. The Survivor’s Allowance is income-tested and temporary, while CPP Survivor’s Pension is based on CPP contributions and may continue past age 65.
Q4. Can I get both the Survivor’s Allowance and CPP Survivor’s Pension?
A. Yes, you can receive both if eligible, but your total payment may depend on your overall income.
Q5. How do I apply for this benefit?
A. Apply online via MSCA or submit a paper application (Form ISP-3008) with required documents to Service Canada.