It occurs when your spouse or partner walks out of your life unexpectedly and creates a painful emotional charge as well as a financial burden all at once. That is especially true for people living on limited income. In times like these, the “Survivor’s Allowance” given by the Canadian government is a great support. In this article, we will be explaining everything you need to know about this benefit amounting to $1,647 in June 2025, including eligibility and the application process.
Survivor Allowance. Who, and what?
The Survivor’s “Allowance” is a benefit in social security instituted by the Government of Canada for citizens aged 60 to 64 whose spouse or common-law partner has died. This allowance is contained under Old Age Security (OAS) specially designed for low-income citizens. The amount set will be $1,647.34 per month in June 2025 and will allow these people to put together what they require to live on while awaiting eligibility for the full OAS and GIS (Guaranteed Income Supplement) benefits from 65 onwards.
What are the eligibility criteria?
If you want to use this benefit, you must meet all of the below provisions:
- Age limit – You must be between 60 and 64 years. You can apply up to 11 months before you become 60 years.
- Residence and citizenship – You must be residing in Canada and should have lived in the country for at least ten years after crossing the age of 18.
- Marital status – Your spouse or common-law partner has to have died, and you’re not in a new partnership post that.
- Annual income – Your total net income in the last tax year must be less than $29,712. If your income exceeds that, you will not be entitled to avail of these benefits.
- Special circumstances – In case of death of both spouses in the same accident, the survivor can apply for the younger one.
How much amount is received?
The maximum fixed by June 2025 is $1,647.34 monthly. If your net income falls below this level you will receive it in full, but otherwise it will be scaled down; for example, if your net income is $15,000, you will be entitled to approximately $817.62 per month.Payment date and method
How is CPP different from survivor pension?
There is a difference between the CPP Survivor Pension and the Allowance for the Survivor:
| Feature | Allowance for the Survivor | CPP Survivor’s Pension |
|---|---|---|
| Contribution Requirement | No | Yes, CPP contributions required |
| Income Tested | Yes | No |
| Eligibility Age | 60 to 64 | Starts at 60 or 65 |
| Payment Duration | Until age 65 | Lifelong (as per CPP rules) |
| Maximum Amount (2025) | $1,647.34 | Average $647.41 |
Many people may be eligible for both benefits and may receive significantly better assistance if they apply for both together.
Date and mode of payment
The next distribution of the Survivor’s Allowance will occur at June 26, 2025.
Mode of Delivery:
- By direct deposit-this is the fastest method of delivery whereby the amount is deposited in the bank account on the same day.
- By cheque-otherwise, if you did not enroll in direct payment, the check will reach you by mail, usually within 3 business days.
How to set-up direct payment?
- Open your My Service Canada Account (MSCA).
- Select the ‘Direct Deposit’ option.
- Enter the bank information: Institution number, branch number, account number.
- Save and confirm.
How to Apply?
Step 1: Prepare Needed Documents
- Death certificate or funeral statement of the deceased
- Marriage certificate or common-law declaration
- Birth certificate or passport
- Social Insurance Number (SIN)
- Bank account details
- Income report of the previous tax year by CRA
Step 2: Application Process
Online application (from MSCA):
- Sign in to MSCA
- Click on “Apply for a benefit”
- Select “Allowance for the Survivor.”
- Upload scanned copies
- Submit and get a confirmation number
Application by Post (Form ISP-3008):
- Download Form ISP-3008
- Fill all sections and attach all required documents
- Send to given address
- Attach a cover letter with all your contact information
Step 3: Track Your Status
- Online-Check status in the My Applications section
- By Post-Wait for 12 weeks, then Contact 1-800-277-9914.
Step 4: Get Money Paid
Payments start on the month after one’s eligibility becomes confirmed Retroactive payments for 11 months can be possible, depending on the date applying until eligibility.
CONCLUSION
The Allowance for the Survivor is really a humanitarian and truly necessary program with which struggling persons get relief from economic hardships and get empowered eventually. One can share this fact with such individuals in your community who belong to a family that potentially qualifies for this benefit. Apply in time, have everything ready including documents, and use a direct deposit to make sure help gets received fast and without interruption. Your toll-free number or website has information and help from Service Canada on anything else you would need.
FAQs
Q1. Who is eligible for the $1,647 Allowance for the Survivor benefit in Canada?
A. To qualify, you must be aged between 60 and 64, have a low income, and be the spouse or common-law partner of a deceased Guaranteed Income Supplement recipient. You must also reside in Canada and meet other eligibility criteria set by Service Canada.
Q2. When will the $1,647 survivor benefit be paid in June 2025?
A. The payment is expected around June 26, 2025, in line with the regular Government of Canada benefit schedule. Direct deposit ensures faster access, so be sure your banking details are updated.
Q3. Is the Allowance for the Survivor benefit the same as the CPP Survivor’s Pension?
A. No, they are separate programs. The Allowance for the Survivor is income-tested and temporary until age 65, while CPP Survivor’s Pension depends on your partner’s CPP contributions and can continue beyond age 65.
Q4. Can I receive both the Allowance for the Survivor and other federal benefits?
A. Yes, but total payments may be adjusted based on your overall income. It’s important to report all sources of income to avoid overpayments or delays in your benefits.
Q5. How can I apply for the Allowance for the Survivor benefit?
A. You can apply online through the Service Canada website or by submitting a paper application. Make sure to provide documents like your Social Insurance Number, spouse’s death certificate, and proof of income.
