For Canadians between the ages of 60 and 64 who have recently lost a spouse or common-law partner, financial uncertainty often becomes an additional burden on top of grief. To provide stability during this difficult time, the federal government offers the Allowance for the Survivor under the Old Age Security (OAS) program.
In June 2025, eligible widows and widowers could receive up to \$1647.34 per month, providing a much-needed cushion until they reach the age of 65, when they transition to full OAS and Guaranteed Income Supplement (GIS) benefits. This measure ensures survivors are not left without support during the crucial years leading up to retirement eligibility.
Understanding the Allowance for the Survivor
The Allowance for the Survivor is a non-taxable monthly payment created to help low-income Canadians aged 60–64 who have lost a partner. Unlike the Canada Pension Plan (CPP) Survivor’s Pension, which is tied to the deceased partner’s CPP contributions, this allowance is income-tested—meaning your eligibility depends on your own net income, not your spouse’s contributions.
The benefit is temporary, ending when the recipient turns 65. At that point, most will qualify for OAS and GIS, ensuring continuous support through Canada’s senior income programs.
Key Features of the June 2025 Survivor Benefit
The federal government has confirmed the following details for the next payment cycle:
| Feature | Details |
|---|---|
| Maximum Payment | \$1,647.34/month (April–June 2025 rate) |
| Age Requirement | 60–64 |
| Residency Requirement | Must have lived in Canada at least 10 years since age 18 |
| Income Limit | Less than \$29712 net annual income |
| Payment Date | June 26, 2025 |
| Application Process | Online via MSCA or paper form ISP-3008 |
| Retroactive Coverage | Up to 11 months back |
| Payment Method | Direct deposit or mailed cheque |
Eligibility Criteria Explained
To qualify for the Allowance for the Survivor in 2025, applicants must meet strict eligibility rules set by Service Canada. Survivors need to confirm the following:
- Age Requirement: Must be between 60 and 64 years old.
- Residency: Must live in Canada and have been a legal resident for at least 10 years since turning 18.
- Relationship Status: Must be widowed and not remarried or entered into a new common-law partnership.
- Income Test: Net annual income must be below \$29712.
For clarity, net income refers to total income minus eligible deductions such as RRSP contributions or childcare expenses. Survivors can find their net income on their CRA Notice of Assessment.
How Much Can Survivors Receive?
The exact monthly benefit amount depends on the applicant’s income. Survivors with no income or very low income will receive the maximum monthly payment of \$1,647.34. Those with income closer to the threshold of \$29712 will receive a reduced amount.
Here’s an example breakdown:
| Net Income Range | Estimated Monthly Benefit |
|---|---|
| \$0–\$15,000 | \$817–\$1647 |
| \$15,001–\$29,712 | Prorated portion |
| Above \$29,712 | Not eligible |
Formula Used by Service Canada:Benefit = $1,647.34 × (1 – [Net Income ÷ 29,712])
Service Canada automatically calculates the benefit after reviewing income information, so applicants simply need to file taxes on time and keep their income records updated.
Payment Schedule – June 2025
The next payment of the Allowance for the Survivor is scheduled for June 26, 2025.
- Direct Deposit: Arrives the same day in most bank accounts.
- Mailed Cheques: May take up to 10 business days to be delivered.
Applicants are encouraged to sign up for direct deposit through their My Service Canada Account to avoid delays.
How to Apply for the Survivor Benefit
While some Canadians may be automatically enrolled, most will need to apply for the Allowance for the Survivor.
Step 1 – Gather Required Documents:
- Death certificate of the deceased spouse/partner.
- Proof of relationship (marriage certificate or statutory declaration of common-law relationship).
- Social Insurance Number (SIN).
- Proof of residency in Canada.
- CRA Notice of Assessment (for income verification).
- Direct deposit information (void cheque or banking details).
Step 2 – Choose Application Method:
- Online: The fastest option via My Service Canada Account (MSCA).
- By Mail: Complete and submit Form ISP-3008, with certified copies of documents attached.
Step 3 – Track Your Application:
- Online applications can be tracked through MSCA.
- Mailed applications usually take 8–12 weeks for processing. If no response, applicants can call 1-800-277-9914.
Step 4 – Receive Payment:
- Payments begin the month after approval.
- Retroactive payments of up to 11 months may also be available.
How Does It Compare to the CPP Survivor’s Pension?
Canadians often confuse the Allowance for the Survivor with the CPP Survivor’s Pension. Here’s a comparison:
| Feature | Allowance for the Survivor | CPP Survivor’s Pension |
|---|---|---|
| Income-Tested? | Yes | No |
| Max Monthly Payment (2025) | \$1,647.34 | About \$647.41 (average) |
| Age Requirement | 60–64 | 60+ |
| Based on CPP Contributions? | No | Yes |
| Duration | Until age 65 | For life |
The good news: Survivors may be eligible for both benefits, provided they apply separately. Combining these programs can maximize financial support during a challenging period.
Budgeting Tips for Survivors
Receiving the Allowance for the Survivor is only part of building financial stability. Survivors should also:
- Track Expenses: Keep a budget to manage limited income effectively.
- Use Financial Tools: The Financial Consumer Agency of Canada offers free calculators and worksheets.
- Seek Free Guidance: Credit counseling services and community financial aid centers provide advice tailored to seniors and low-income individuals.
Provincial Top-Up Programs
Some provinces provide additional supplements to federal survivor benefits.
- British Columbia: Offers a Senior’s Supplement, which may add about \$50 per month.
- Quebec: Provides its own Supplement to OAS.
- Other Provinces: May offer provincial housing or medical benefits for low-income seniors.
Survivors are encouraged to check provincial government websites or speak to a local social worker to learn about additional support options.
Why This Benefit Matters
The Allowance for the Survivor is not simply a financial payment—it is a recognition of the unique challenges faced by widowed Canadians under the age of 65. At a time when grief is overwhelming, financial stress should not worsen the burden.
With inflation, high housing costs, and rising grocery bills, this program provides security and dignity for survivors who might otherwise struggle to meet daily expenses. For many, it can mean the difference between financial hardship and stability during the transition toward retirement benefits.
5 FAQs
Q1: How much is the Allowance for the Survivor in June 2025?
The maximum payment is \$1,647.34 per month, depending on the applicant’s net income.
Q2: When is the next payment date for the survivor benefit?
Payments will be issued on June 26, 2025, with direct deposits arriving the same day.
Q3: Who qualifies for the Allowance for the Survivor?
Low-income Canadians aged 60–64 who are widowed, not remarried, and have a net income below \$29,712.
Q4: How is this different from the CPP Survivor’s Pension?
The Allowance for the Survivor is income-tested and temporary until age 65, while the CPP Survivor’s Pension is based on the deceased partner’s contributions and can last for life.
Q5: Can I receive retroactive payments if I apply late?
Yes, eligible survivors can receive up to 11 months of retroactive payments.