Losing a spouse is hard emotionally — and financially. To help bridge the gap before full retirement age, the Government of Canada offers the Survivor Allowance to low-income individuals aged 60 to 64. This monthly benefit can be a lifeline for many who are navigating grief while trying to stay financially stable. In 2025, eligible recipients can receive up to $1,647.34 per month, depending on their income level.
Here’s everything you need to know about how it works, who qualifies, and how to apply.
Table of Contents
Overview
| Feature | Details |
|---|---|
| Allowance Amount | Up to $1,647.34/month (June–August 2025) |
| Eligibility Age | Between 60 and 64 |
| Income Limit | Under $29,712/year |
| Residency | Canadian citizen or legal resident |
| Application | Manual – must apply (not automatic) |
| Payment Frequency | Monthly; reviewed quarterly with CPI changes |
| Official Website | Canada.ca |
Survivor Allowance
The Allowance for the Survivor is a non-taxable monthly benefit meant to support low-income Canadians between 60 and 64 who’ve lost a spouse or common-law partner. It’s designed to act as a temporary bridge until you reach age 65 and qualify for Old Age Security (OAS) and the Guaranteed Income Supplement (GIS).
The payment is updated every three months in line with the Consumer Price Index (CPI), ensuring it keeps up with inflation.
Who Can Qualify?
Here’s a breakdown of the eligibility requirements:
1. Age
You must be between 60 and 64 years old.
2. Marital Status
You must be widowed and not remarried or entered a new common-law relationship.
3. Residency
- You must be a Canadian citizen or legal resident.
- You need to have lived in Canada for at least 10 years since turning 18.
4. Income
Your total annual income must be less than $29,712.
Income includes pensions, employment, self-employment, and other government payments. If your income exceeds the threshold, you won’t qualify.
How to Apply
This benefit isn’t automatic — you must apply. Here’s how:
Step 1
You’ll need:
- Your Social Insurance Number (SIN)
- Proof of birth (birth certificate, passport, etc.)
- Death certificate of your spouse or partner
- Proof of Canadian residency (utility bill, lease, etc.)
- Your latest income details (tax return or Notice of Assessment)
Step 2
Download the form titled Allowance for the Survivor Application from the Government of Canada website or pick it up at a Service Canada office.
Step 3
Send the completed form by mail or hand it in to your local Service Canada office.
Step 4
Processing takes 8–12 weeks. If approved, payments begin the month after the decision is made. If denied, you can file an appeal with supporting documentation.
How Much Will You Get?
The maximum you can receive (as of June to August 2025) is $1,647.34/month, but the exact amount depends on your income.
Payment Breakdown:
| Annual Income Range | Monthly Payment Estimate |
|---|---|
| $0 – $10,000 | Up to $1,647.34 |
| $10,001 – $20,000 | Reduced amount |
| $20,001 – $29,712 | Minimum payment |
| Over $29,712 | Not eligible |
Payments are re-evaluated quarterly, and your income will determine the adjustment.
Can You Get Other Benefits?
Yes, you can receive other programs alongside the Survivor Allowance:
- CPP Survivor Benefit: If your late spouse paid into the Canada Pension Plan
- Guaranteed Income Supplement (GIS): Once you turn 65
- Provincial Aid: Some provinces offer housing or prescription support for seniors
Employment and the Survivor Allowance
If you go back to work or start earning income again, your eligibility may change. Once your annual income crosses $29,712, your allowance will be stopped.
If your income varies from year to year, it’s a good idea to reapply if you fall back under the income limit again.
Tips for a Smooth Application
- Make sure your paperwork is complete and accurate
- Apply early — don’t wait until you’re in financial trouble
- If in doubt, ask for help from a Service Canada agent or local senior services
The Allowance for the Survivor can make a big difference if you’re struggling after the loss of a partner. It offers some breathing room until you can access full retirement benefits at age 65. Don’t let the paperwork intimidate you — it’s worth applying.
FAQs
Who is eligible for the Survivor Allowance?
Widowed Canadians aged 60–64 with income under $29,712.
Is the Survivor Allowance automatic?
No, you must apply manually with Service Canada.
How much can I get each month?
Up to $1,647.34, depending on your income.
Can I work and still get this benefit?
Yes, but if your income exceeds $29,712, you lose eligibility.
Is the Survivor Allowance taxable?
No, it’s a non-taxable benefit from the federal government.
