Losing a spouse or common-law partner is a significant emotional and financial challenge. To assist low-income Canadians in this situation, the government provides the Allowance for the Survivor, a non-taxable financial benefit. This support is available for individuals aged 60 to 64 who have lost their spouse or common-law partner and have not remarried or entered a new common-law relationship.
As of March 2025, eligible individuals can receive up to $1,647.34 per month. This guide will explain the eligibility criteria, application process, payment schedule, and other important details about this essential financial support.
Canada’s $1,647.34 Survivor Allowance
| Feature | Details |
|---|---|
| Maximum Monthly Payment | $1,647.34 |
| Eligibility Age | 60 to 64 years |
| Annual Income Threshold | Less than $29,712 |
| Residency Requirement | Minimum 10 years in Canada since age 18 |
| Application Process | Online via My Service Canada Account or by mail |
| Payment Dates | Monthly, aligned with Old Age Security (OAS) schedule |
| Official Resource | Government of Canada – Allowance for the Survivor |
What is the Allowance for the Survivor?
The Allowance for the Survivor is a financial benefit designed to support low-income Canadians who have lost their spouse or common-law partner. It serves as an essential bridge until recipients become eligible for the Old Age Security (OAS) pension at age 65.
- This benefit is non-taxable.
- The payment amount is calculated based on an individual’s annual income.
- The maximum monthly payment for March 2025 is $1,647.34.
Eligibility Criteria
To qualify for the Allowance for the Survivor, applicants must meet the following requirements:
1. Age Requirement
- Must be between 60 and 64 years old (inclusive).
2. Marital Status
- The applicant’s spouse or common-law partner must be deceased.
- The applicant must not have remarried or entered into a new common-law relationship.
3. Residency Requirement
- Must be a Canadian citizen or legal resident at the time of application.
- Must have lived in Canada for at least 10 years since the age of 18.
- If the applicant has lived or worked in a country with a social security agreement with Canada, they may still qualify even if they do not meet the 10-year residency requirement.
4. Income Requirement
- Annual income must be less than $29,712.
- Income includes earnings, pensions, and investment returns.
How to Apply for Canada’s $1,647.34 Survivor Allowance
Applying for the Allowance for the Survivor is a straightforward process, but it requires careful attention to details.
Step 1: Determine If You Need to Apply
- Most individuals must apply manually.
- Apply as soon as you meet the eligibility criteria to avoid missing payments.
Step 2: Gather Necessary Documents
You will need the following information:
- Social Insurance Number (SIN)
- Information about your deceased spouse or common-law partner, including their SIN, date of birth, and date of death
- Residency history since age 18
- Banking information for direct deposit
Step 3: Submit Your Application
- Online: Apply through My Service Canada Account (MSCA).
- By Mail: Download and complete the ISP3008 application form and send it to Service Canada.
Step 4: Await Confirmation
Service Canada will review your application and notify you by mail. The notification will include:
- Approval or rejection status
- The amount you will receive
- The payment start date
Payment Details
- The maximum monthly payment for March 2025 is $1,647.34.
- Payments are adjusted quarterly (January, April, July, and October) to reflect changes in the Consumer Price Index (CPI).
- Payments are non-taxable and follow the Old Age Security (OAS) schedule.
Payment Dates for 2025
| Month | Payment Date |
| January | January 29 |
| February | February 26 |
| March | March 27 |
| April | April 28 |
| May | May 28 |
| June | June 26 |
| July | July 29 |
| August | August 27 |
| September | September 26 |
| October | October 29 |
| November | November 27 |
| December | December 23 |
Tip: Sign up for direct deposit to receive payments faster and avoid postal delays.
Frequently Asked Questions (FAQs)
1. Can I receive the Survivor Allowance if I move outside of Canada?
- Yes, but you must have lived in Canada for at least 20 years after turning 18 to receive payments abroad.
2. Will the Allowance for the Survivor affect my other benefits?
- No, this benefit is non-taxable and does not impact other government benefits such as the Guaranteed Income Supplement (GIS).
3. Can I work and still receive the Survivor Allowance?
- Yes, but your total income must remain below $29,712 to maintain eligibility.
4. What happens if my income changes?
- Your payment amount may increase or decrease based on your annual income. Service Canada reviews income annually and makes adjustments accordingly.
The $1,647.34 Allowance for the Survivor is a crucial financial support program for low-income Canadians aged 60 to 64 who have lost their spouse or common-law partner. Understanding the eligibility criteria, application process, and payment schedule can help ensure you receive the support you are entitled to.
If you believe you qualify, apply as soon as possible to avoid missing out on this essential benefit. For more information, visit the Government of Canada’s official website.
By staying informed and taking proactive steps, eligible individuals can secure this vital financial support during challenging times.
For More Information Click Here