Losing a spouse is one of life’s most difficult experiences—emotionally and financially. To help low-income Canadians cope during this transition, the Government of Canada offers the Allowance for the Survivor benefit. In 2025, this monthly payment can reach up to $1,647.34, supporting widows and widowers aged 60 to 64 as they navigate life after loss.
If you’re within this age group or assisting someone who is, this guide explains the eligibility, application process, payment details, and other related support options.
Overview
| Feature | Details |
|---|---|
| Allowance Amount | Up to $1,647.34 per month (Jan–Mar 2025) |
| Eligibility Age | 60 to 64 years old |
| Residency Requirement | Must be a Canadian citizen or legal resident |
| Income Limit | Less than $29,712 annually |
| Application Type | Manual application required |
| Payment Frequency | Monthly, adjusted quarterly (CPI-linked) |
| Official Site | Canada.ca |
What Is the Survivor Allowance?
The Allowance for the Survivor is a monthly, non-taxable benefit designed to bridge the gap between the loss of a spouse or common-law partner and eligibility for Old Age Security at age 65. It ensures low-income individuals are financially supported during this vulnerable period.
The benefit is reviewed every three months to reflect the Consumer Price Index (CPI), helping it keep pace with the cost of living.
Who Can Qualify?
To receive the Survivor Allowance in 2025, you must meet the following requirements:
1. Age Range
You must be between 60 and 64 years old. Once you turn 65, the allowance stops, and you transition to other senior benefits like OAS and GIS.
2. Marital Status
You must be widowed. This applies whether your spouse was legally married to you or you were in a common-law relationship. You must not have remarried or entered into a new common-law relationship.
3. Residency
You must be a Canadian citizen or legal resident. You also need to have lived in Canada for at least 10 years after the age of 18.
4. Income Level
Your annual income must be less than $29,712. This includes pensions, wages, investment income, and other government benefits. If you go over this amount, you won’t qualify.
How to Apply
This benefit is not issued automatically, so you’ll need to apply manually. Here’s how:
Step 1
Prepare the following:
- Proof of age (birth certificate or passport)
- Social Insurance Number
- Spouse’s death certificate or official document
- Proof of address (e.g., utility bill or lease)
- Income verification (latest tax return, Notice of Assessment)
Step 2
Go to Canada.ca and search for the “Allowance for the Survivor” application form. Download and fill it out completely and accurately.
Step 3
Mail the completed form to the appropriate Service Canada office or drop it off at your nearest location. Ensure all documents are attached.
Step 4
It typically takes 8–12 weeks to process. If approved, your payments begin the month following the approval date. If denied, you can appeal and submit additional information.
Payment Breakdown
Here’s how your income impacts your monthly allowance:
| Annual Income | Monthly Survivor Allowance |
|---|---|
| $0 – $10,000 | $1,647.34 (maximum) |
| $10,001 – $20,000 | Reduced amount |
| $20,001 – $29,712 | Minimum payment |
| Over $29,712 | Not eligible |
These figures are adjusted quarterly, so your payment could increase slightly with inflation.
Can You Receive Other Benefits?
Yes, the Survivor Allowance can be combined with other programs:
- CPP Survivor’s Pension – If your spouse contributed to the Canada Pension Plan
- Guaranteed Income Supplement (GIS) – Once you turn 65
- Provincial Benefits – Some provinces offer additional supports for low-income seniors
Be sure to check with your province or Service Canada for additional financial aid options.
Employment and Your Allowance
If you’re working while receiving the allowance, your earnings count toward your annual income. If you cross the $29,712 threshold, your payments will stop.
So, if you’re working part-time or receiving other income, monitor it closely and report changes to Service Canada.
The Survivor Allowance is a crucial benefit for Canadians facing the financial impact of losing a spouse between the ages of 60 and 64. With monthly payments reaching $1,647.34, it offers meaningful support during a tough time. If you meet the criteria, don’t delay—gather your documents, fill out the form, and apply. It could help bring some peace of mind when it’s needed most.
FAQs
What is the 2025 Survivor Allowance?
It’s up to $1,647.34 monthly for widowed Canadians aged 60–64.
Do I need to apply for the payment?
Yes, you must apply manually via Service Canada.
What is the income limit to qualify?
Your income must be below $29,712 per year.
Can I receive other benefits too?
Yes, such as CPP Survivor’s Pension and GIS at age 65.
Does income from work affect eligibility?
Yes, income over $29,712 will disqualify you from the benefit.
