Losing a spouse is never easy—emotionally or financially. To help low-income widowed Canadians manage during this difficult time, the federal government offers the Allowance for the Survivor. As of 2025, this benefit provides up to $1,647.34 per month for those who qualify. If you’re between the ages of 60 and 64, this program could offer crucial support until you turn 65 and become eligible for Old Age Security (OAS).
Let’s walk through the details of eligibility, how to apply, and what you need to know to start receiving this monthly payment.
Overview
The Allowance for the Survivor is a non-taxable, income-tested benefit for low-income Canadians who have lost a spouse or common-law partner. It’s designed to bridge the gap until you qualify for OAS and the Guaranteed Income Supplement (GIS) at age 65.
| Feature | Details |
|---|---|
| Monthly Amount | Up to $1,647.34 (January–March 2025) |
| Age Requirement | 60 to 64 years old |
| Income Threshold | Must earn less than $29,712 per year |
| Residency | Must live in Canada and have 10+ years of residency |
| Application Required | Yes, manual application is needed |
| Payment Frequency | Monthly, adjusted quarterly for inflation |
| Website | Canada.ca (Survivor Allowance section) |
Definition
The Survivor Allowance is part of Canada’s social support system for seniors. It helps fill the financial gap many widows and widowers face before reaching age 65. Payments are reviewed and adjusted every three months based on the Consumer Price Index (CPI), which reflects inflation.
This benefit is separate from the Canada Pension Plan (CPP) Survivor’s Benefit and must be applied for directly through Service Canada.
Eligibility
Here’s what you need to qualify for the Survivor Allowance:
1. Age
You must be between 60 and 64 years old at the time of application.
2. Marital Status
- You must be widowed (spouse or common-law partner is deceased).
- You must not be remarried or in a new common-law relationship.
3. Residency
- You must be a Canadian citizen or legal resident.
- You must have lived in Canada for at least 10 years after age 18.
4. Income
- Your total annual income must be below $29,712.
- Income includes: employment income, pensions, and other government benefits.
Apply
Unlike OAS or CPP, this benefit is not automatic. Here’s how to apply:
Step 1
You’ll need:
- Proof of birth (birth certificate)
- Social Insurance Number (SIN)
- Death certificate of your spouse or common-law partner
- Proof of residence (e.g., utility bill or lease)
- Most recent tax return or Notice of Assessment
Step 2
Visit Canada.ca and search for Allowance for the Survivor Application Form.
Step 3
Send your completed form and documents:
- By mail to your regional Service Canada office
- Or drop it off at a Service Canada location
Step 4
It typically takes 8–12 weeks for processing. If approved, payments start the month after your application is approved.
If denied, you can appeal the decision and provide supporting documentation.
Payment
How much you receive depends on your income level. Here’s a breakdown:
| Annual Income | Monthly Allowance |
|---|---|
| $0 – $10,000 | $1,647.34 (full amount) |
| $10,001 – $20,000 | Reduced amount |
| $20,001 – $29,712 | Minimum amount |
| Over $29,712 | Not eligible |
Payments are adjusted every January, April, July, and October to reflect inflation.
Extras
You might also be eligible for additional support:
1. CPP Survivor Benefits
If your spouse contributed to CPP, you may qualify for monthly survivor payments through that program in addition to the Survivor Allowance.
2. GIS and OAS at Age 65
Once you turn 65, you may transition to OAS and possibly receive the Guaranteed Income Supplement (GIS) if your income remains low.
3. Provincial Support
Some provinces offer their own senior benefits that can complement the federal Survivor Allowance.
Earnings Impact
Working while receiving the Survivor Allowance is allowed, but it may reduce your benefit. If your income goes over $29,712 annually, the benefit stops.
It’s a good idea to keep your income under the threshold and report any changes to Service Canada to avoid payment interruptions.
If you’re navigating life after losing a partner, the Allowance for the Survivor can provide meaningful financial support. Make sure you check the eligibility requirements, gather your documents, and apply as early as possible to avoid delays.
FAQs
How much is the Survivor Allowance in 2025?
Up to $1,647.34 monthly from January to March 2025.
Is the Survivor Allowance automatic?
No, you must apply manually through Service Canada.
Can I get CPP Survivor benefits too?
Yes, if your spouse contributed to CPP.
What is the income limit for eligibility?
Annual income must be under $29,712.
When do payments begin?
The month after your application is approved.
