Survivor Allowance Payment in Canada for 2025: Losing a loved one is difficult, and financial struggles can make it even harder. To support low-income individuals who have lost their spouse or common-law partner, the Canadian government provides the Allowance for the Survivor, a non-taxable monthly benefit of up to $1,647.34 in 2025.
If you are between 60 and 64 years old, have lost your spouse or common-law partner, and meet certain income and residency requirements, you might qualify for this financial assistance. Read on to understand the eligibility criteria, how to apply, and what to expect from this benefit.
Survivor Allowance Payment in Canada for 2025
| Feature | Details |
|---|---|
| Allowance Amount (2025) | Up to $1,647.34 per month |
| Eligibility Age | 60-64 years old |
| Residency Requirement | Must have lived in Canada for at least 10 years since turning 18 |
| Income Limit | Less than $29,712 annually |
| Application Process | My Service Canada Account |
| Payment Frequency | Monthly, tax-free |
| Impact on Other Benefits | Does not affect Guaranteed Income Supplement (GIS) or other benefits |
The Allowance for the Survivor is a crucial financial support program for low-income individuals who have lost their spouse or common-law partner. If you are between 60 and 64 years old, meet the income and residency requirements, and have not remarried, you may be eligible for up to $1,647.34 per month in 2025.
Applying is straightforward—submit your application online or by mail to Service Canada to ensure financial stability during this difficult time.
What Is the Allowance for the Survivor?
The Allowance for the Survivor is a financial support program under Old Age Security (OAS), designed to help low-income Canadians between 60 and 64 years old who have lost their spouse or common-law partner and have not remarried or entered a new common-law relationship.
This benefit provides up to $1,647.34 per month in 2025, helping surviving spouses maintain their standard of living until they become eligible for OAS and Guaranteed Income Supplement (GIS) at age 65.
Who Is Eligible Survivor Allowance Payment?
To qualify for the Allowance for the Survivor, you must meet the following conditions:
- Be between 60 and 64 years old.
- Your spouse or common-law partner has passed away, and you have not remarried or started a new common-law relationship.
- Be a Canadian citizen or legal resident.
- Have lived in Canada for at least 10 years since age 18.
- Have an annual income below $29,712 (as of 2025).
- You must apply for this benefit as it is not automatically granted.
If you meet these requirements, you can apply for the benefit and receive payments until you turn 65, at which point you will transition to Old Age Security (OAS) and Guaranteed Income Supplement (GIS).
Understanding the Income Threshold
The income limit is a key factor in determining eligibility. If your annual income exceeds $29,712, you will not qualify for the Allowance for the Survivor. Income is calculated based on your previous year’s tax return, meaning any increase or decrease in earnings can impact your eligibility.
For example:
- If you inherit money from your late spouse’s estate, it may impact your eligibility.
- If you receive Canada Pension Plan (CPP) benefits, they are included in your income calculation.
- If you have investment income, it is also factored in.
How to Apply for the Survivor Allowance Payment?
Applying for the Allowance for the Survivor is simple. Follow these steps to ensure your application is complete and processed smoothly.
Step 1: Gather Required Documents
Before applying, ensure you have:
- Your Social Insurance Number (SIN).
- Your late spouse or common-law partner’s SIN, date of birth, and date of death.
- Residency history since the age of 18.
- Banking details for direct deposit.
- Latest income tax return.
Step 2: Apply Online or by Mail
You can submit your application in two ways:
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- Online: Apply via My Service Canada Account.
- By Mail: Download and complete the Allowance for the Survivor application form (ISP3008) and mail it to Service Canada.
Step 3: Wait for Processing
Once submitted, Service Canada will review your application and notify you of the decision. Processing times may vary, but applications typically take 6-8 weeks.
If your application is approved, you will start receiving payments from the month following your approval.
Impact on Other Benefits
Receiving the Allowance for the Survivor does not impact your eligibility for other government benefits. You can still receive:
- Guaranteed Income Supplement (GIS) once you turn 65.
- Provincial benefits (varies by province; check with your local government).
- Canada Pension Plan (CPP) Survivor’s Benefit, if eligible.
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FAQs About Survivor Allowance Payment in Canada for 2025
1. Will the Allowance for the Survivor be taxed?
No, this benefit is tax-free.
2. What happens when I turn 65?
Once you turn 65, you will automatically transition to OAS and GIS, which provide continued financial support.
3. Can I receive this allowance if I live outside Canada?
You must have lived in Canada for at least 20 years after age 18 to receive payments while living abroad.
4. What if my income changes?
Your benefit amount is reviewed annually based on your income tax return. If your income increases above $29,712, you may no longer qualify.
5. How can I check my application status?
You can check the status of your application through My Service Canada Account or by calling Service Canada.
6. What if I am denied the Allowance for the Survivor?
If your application is denied, you can appeal the decision through Service Canada. Be sure to provide supporting documents if your financial or residency situation has changed.
