Canada’s $1,647.34 Survivor Benefit For 2025- Who Qualifies And How To Apply
Navigating the financial aftermath of losing a spouse or common-law partner can be challenging. To support low-income individuals during this transition, the Canadian government offers the Allowance for the Survivor, providing up to $1,647.34 per month in 2025.
This article delves into the eligibility criteria, application process, and essential details to help you determine if you qualify for this benefit.
What is the Allowance for the Survivor?
The Allowance for the Survivor is a non-taxable monthly benefit designed for low-income individuals aged 60 to 64 who have lost their spouse or common-law partner.
It serves as a financial bridge until recipients become eligible for the Old Age Security (OAS) pension and Guaranteed Income Supplement (GIS) at age 65.
The benefit amount is reviewed quarterly to reflect changes in the Consumer Price Index (CPI), ensuring it keeps pace with the cost of living.
Eligibility Criteria
To qualify for the Allowance for the Survivor, applicants must meet the following conditions:
- Age Requirement: Between 60 and 64 years old.
- Marital Status: Widowed and have not remarried or entered into a new common-law relationship.
- Residency: Canadian citizen or legal resident who has lived in Canada for at least 10 years since age 18.
- Income Threshold: Annual income must be less than $29,712.
Note: If you have lived or worked in a country with a social security agreement with Canada, you may still be eligible for a partial benefit even if you haven’t met the 10-year residency requirement.
Benefit Amounts
The maximum monthly payment for the Allowance for the Survivor from April to June 2025 is $1,647.34. The actual amount received depends on your previous year’s income. Payments are adjusted quarterly based on inflation.
Application Process
Unlike some benefits that are automatically applied, the Allowance for the Survivor requires a manual application. Follow these steps:
- Gather Necessary Documents:
- Proof of birth (e.g., birth certificate).
- Social Insurance Number (SIN).
- Proof of spouse’s or common-law partner’s death.
- Proof of residence in Canada.
- Income details (e.g., latest tax return).
- Complete the Application:
- Download the “Allowance for the Survivor Application Form” from the official
- Fill out the form accurately.
- Submit the Application:
- Mail the completed form to Service Canada or drop it off at a Service Canada office.
- Await Processing:
- Processing times can take 8-12 weeks.
- If approved, payments begin the month after your application is processed.
- If denied, you have the right to appeal and provide additional documentation.
Payment Schedule for 2025
Payments are typically issued on the following dates:
| Month | Payment Date |
|---|---|
| January | Jan 29, 2025 |
| February | Feb 26, 2025 |
| March | Mar 27, 2025 |
| April | Apr 28, 2025 |
| May | May 28, 2025 |
| June | Jun 26, 2025 |
| July | Jul 29, 2025 |
| August | Aug 27, 2025 |
| September | Sep 25, 2025 |
| October | Oct 29, 2025 |
| November | Nov 26, 2025 |
| December | Dec 22, 2025 |
Note: Payment dates are subject to change. Always refer to the official Government of Canada website for the most current information.
Additional Considerations
- Tax Filing: Ensure you file your taxes annually by April 30 to avoid disruptions in payments.
- Direct Deposit: You can choose to receive payments via direct deposit to your Canadian bank account.
- Impact of Employment: Earnings from employment may affect your eligibility and payment amount.
The Allowance for the Survivor offers crucial financial support to low-income Canadians aged 60 to 64 who have lost their spouse or common-law partner.
By understanding the eligibility criteria and application process, you can take the necessary steps to secure this benefit during a challenging time. For more information and to apply, visit the official
FAQs
Can I receive the Allowance for the Survivor if I remarry?
No. If you remarry or enter into a new common-law relationship, you are no longer eligible for the Allowance for the Survivor.
Is the Allowance for the Survivor taxable?
No. The Allowance for the Survivor is a non-taxable benefit.
What happens when I turn 65?
The Allowance for the Survivor stops the month after your 65th birthday. You may then be eligible for the Old Age Security (OAS) pension and the Guaranteed Income Supplement (GIS).