Losing a spouse is one of life’s hardest moments. In response, Canada’s $1,647 Survivor Benefit in June 2025 offers crucial financial support for low-income widowed individuals between the ages of 60 and 64. This federal program, known as the Allowance for the Survivor, helps cover everyday costs during a vulnerable time of life.
In this guide, you’ll learn exactly how the benefit works, who qualifies, how much you can receive, how to apply, and how to avoid common mistakes.
Overview
This benefit is designed to help those who haven’t yet reached full retirement age and are struggling to make ends meet after losing a partner. It’s tax-free, paid monthly, and managed through Service Canada.
While the maximum amount is $1,647.34 for April to June 2025, the exact payment depends on your annual income.
Program Summary
| Feature | Details |
|---|---|
| Benefit Name | Allowance for the Survivor |
| Monthly Amount (Apr–Jun) | Up to $1,647.34 |
| Age Requirement | 60 to 64 years old |
| Marital Status | Widowed, not remarried or in a new partnership |
| Income Limit | Net income under $29,712 |
| Residency Requirement | Lived in Canada at least 10 years since age 18 |
| Next Payment Date | June 28, 2025 |
| How to Apply | Online via My Service Canada or mail (Form ISP-3008) |
Survivor Benefit
The Allowance for the Survivor is a federal benefit paid monthly to widowed Canadians aged 60 to 64 with low income.
It is part of the Old Age Security (OAS) system and acts as a temporary bridge until the recipient turns 65 and becomes eligible for OAS and the Guaranteed Income Supplement (GIS). Payments are adjusted every quarter to reflect inflation and changes in living costs.
Why It Matters
Many seniors are facing higher rent, food prices, and medical costs. Over 40 percent of single seniors in Canada live on low incomes.
Widowed individuals in their early 60s often fall into a financial gap—no longer part of a working household but not yet eligible for full retirement benefits. This benefit provides vital monthly income to keep food on the table and bills paid.
Who Can Qualify?
To qualify for the Allowance for the Survivor, you must meet all the following:
Age
You must be between 60 and 64 years old.
Marital Status
You must be legally widowed and not living in a new common-law relationship or remarried.
Income
Your total net income must be under $29,712 per year. This includes pensions, investments, part-time job income, and other taxable earnings.
Residency
You must have lived in Canada for at least 10 years since turning 18. If not, you may still qualify if Canada has a social security agreement with your former country of residence.
Additional Notes
- You cannot be in federal prison
- Sponsored immigrants may still qualify if their sponsor has died, declared bankruptcy, or been imprisoned
Payment Amounts
The full benefit for the second quarter of 2025 is $1,647.34 per month. Most recipients receive less based on income. Here’s a basic estimate:
| Annual Income | Estimated Monthly Benefit |
|---|---|
| $0 – $5,000 | $1,647 |
| $12,000 | $1,200 – $1,300 |
| $20,000 | $800 – $1,000 |
| $28,000 | $100 – $300 |
Benefits decrease gradually as your income approaches the $29,712 limit.
Payment Dates
Survivor benefit payments follow the same schedule as Old Age Security. The next payment is on:
- June 28, 2025
Future dates include:
- July 29, 2025
- August 28, 2025
- September 25, 2025
How to Apply
There are two ways to apply:
Online
- Sign in or register at My Service Canada Account
- Go to “Apply for Allowance for the Survivor”
- Submit the required digital documents
By Mail
- Download Form ISP-3008 from the Service Canada website
- Include:
- Proof of age (birth certificate or passport)
- Proof of death of spouse
- Proof of income (tax return or NOA)
- Mail to the address listed on the form
When to Apply
- You can apply the month after your 59th birthday
- Retroactive payments are possible for up to 11 months
- Processing takes 6 to 12 weeks, so apply early
Real-Life Examples
Maria is 62 and earns $12,000 a year from part-time work. She applied online shortly after her birthday and now receives around $1,200 monthly. It’s enough to help cover rent, food, and medication.
James waited a year before applying. He missed 6 months of retroactive payments worth nearly $6,000. His experience shows the importance of applying as soon as you’re eligible.
Expert Tips
- Apply early to avoid losing retroactive payments
- File your taxes on time—your benefit depends on your income return
- Keep copies of all paperwork
- Use direct deposit for faster payments
- Talk to a financial advisor if you’re unsure how other income affects your eligibility
FAQs
Who qualifies for the $1,647 survivor benefit?
Widowed Canadians aged 60–64 with income under $29,712.
When is the next survivor benefit payment?
The next payment is scheduled for June 28, 2025.
How do I apply for the survivor benefit?
Apply online via My Service Canada or by mailing form ISP-3008.
Is the survivor benefit taxable?
No, it is a tax-free monthly payment.
Can I get retroactive payments?
Yes, for up to 11 months from your application date.
