Losing a spouse or common-law partner is one of life’s most difficult experiences. While emotional recovery takes time, financial worries can make things even harder. That’s why the Canadian government offers the Allowance for the Survivor—a monthly benefit designed to provide support to low-income individuals between ages 60 and 64. As of June 2025, eligible recipients can receive up to $1,647.34 per month. Let’s break down how it works, who qualifies, and how you can apply.
Benefit
The Allowance for the Survivor is part of Canada’s Old Age Security (OAS) program. It’s a non-taxable monthly payment for people who have lost a spouse or partner and don’t yet qualify for the full OAS pension. For many, this benefit acts as a vital bridge during a financially uncertain time.
Here’s a quick overview:
| Topic | Details |
|---|---|
| Maximum Monthly Payment | $1,647.34 (April to June 2025) |
| Eligibility Age | 60 to 64 years old |
| Income Threshold | Net income below $29,712 |
| Residency Requirement | 10+ years in Canada since age 18 |
| Marital Status | Widowed, not remarried or partnered |
| Application Method | Online or by mail |
| Next Payment Date | June 28, 2025 |
| Official Source | Canada.ca – Allowance for the Survivor |
Overview
This benefit is meant for low-income survivors who are not yet receiving OAS. It ensures that losing a partner doesn’t also mean losing your ability to cover basic needs like rent, food, and medications.
Eligibility
You’ll need to meet all of the following conditions to qualify:
1. Age
You must be between 60 and 64 years old at the time you apply.
2. Marital Status
You must be widowed and not currently in a new common-law relationship or remarried. A new relationship disqualifies you.
3. Residency
You must have lived in Canada for at least 10 years since turning 18.
Or, you may still qualify if you lived in a country with a social security agreement with Canada (e.g., U.S., U.K., Italy).
4. Income
Your annual net income must be under $29,712. This includes income from:
- CPP or QPP
- Employment or self-employment
- Investment income
- Any private or public pension
If your income rises above this, your benefit will be reduced or cut off.
Real-Life Example:
Jane is 61 and lives in Ontario. Her husband passed away two years ago. She earns $15,000 a year from part-time work and $5,000 from CPP survivor benefits. Total: $20,000. She’s lived in Canada since age 25. Jane qualifies for the full benefit of $1,647.34/month starting in June 2025.
Not eligible
You are not eligible if:
- You’re under 60 or over 64
- You’ve remarried or entered a new common-law relationship
- You didn’t live in Canada for 10+ years (unless covered by agreement)
- You earn $29,712 or more per year
- You are in a federal prison
Sponsored
Special exceptions apply for immigrants who were sponsored and haven’t lived in Canada 10 years. You may still qualify if your sponsor:
- Passed away
- Was jailed for over 6 months
- Declared bankruptcy
- Was convicted of abusing you
In these cases, the sponsorship condition may be waived.
Amount
From April to June 2025, the benefit tops out at $1,647.34/month. The amount you receive depends on your income—lower income means a higher monthly benefit.
Adjustments are made quarterly for inflation, so check regularly for updated rates.
Payments
This benefit follows the OAS payment schedule. The next payment date is June 28, 2025. Payments are made monthly, typically near the end of the month.
Apply
Here’s how to apply in a few easy steps:
Step 1
Use the online tool at Canada.ca to verify your qualifications.
Step 2
- Social Insurance Number
- Marriage and death certificates
- Income statements
- Proof of residence
Step 3
- Online: Through your My Service Canada Account
- By Mail: Complete and mail Application Form ISP-3008
Tip: Apply right when you turn 60. Retroactive payments are only available for up to 11 months.
Mistakes
Avoid these common errors:
- Late tax filing: File by April 30 to ensure uninterrupted payments
- Failing to report life changes: Always update marital status, income, or address
- Assuming you’re ineligible: Check if you qualify under a social security agreement
The Allowance for the Survivor can offer real relief during an incredibly difficult chapter in life. If you or someone you know might be eligible, now’s the time to take action. With up to $1,647.34 per month available, it’s more than just a benefit—it’s a financial lifeline.
FAQs
Who qualifies for survivor benefit?
Widowed Canadians aged 60-64 with low income qualify.
How much is the monthly benefit?
Up to $1,647.34 from April to June 2025.
Can I apply online?
Yes, through your My Service Canada Account.
What is the income limit?
You must earn less than $29,712 annually.
Do I qualify if I remarry?
No, remarriage or a new relationship disqualifies you.
