Canada’s $1,647 Survivor Benefit: Losing a spouse or common-law partner is never easy. Besides the emotional toll, it often brings financial uncertainty—especially for individuals who are not yet eligible for full retirement benefits. To help ease this burden, the Government of Canada offers a special monthly payment known as the Allowance for the Survivor. As of May 2025, eligible Canadians may receive up to $1,647.34 per month. This guide breaks down who qualifies, who doesn’t, how much you can expect to receive, and how to apply.
Canada’s $1,647 Survivor Benefit
The Allowance for the Survivor is a lifeline for many Canadians between 60 and 64 who have lost a partner. With a potential payout of $1,647.34 per month, it can provide critical support during an already difficult time. Whether you’re newly widowed or approaching eligibility age, it’s worth understanding your options and applying on time.
| Topic | Details |
|---|---|
| Maximum Monthly Payment | $1,647.34 (April to June 2025) |
| Eligibility Age | 60 to 64 years old |
| Income Threshold | Annual net income below $29,712 |
| Residency Requirement | Lived in Canada for at least 10 years since age 18 |
| Marital Status Requirement | Widowed, not remarried or in a new common-law relationship |
| Application Method | Online via My Service Canada Account or by mail |
| Next Payment Date | May 28, 2025 |
| Official Source | Canada.ca – Allowance for the Survivor |
What Is the Allowance for the Survivor?
The Allowance for the Survivor is a non-taxable monthly benefit offered under the Old Age Security (OAS) program. It’s designed for low-income individuals between the ages of 60 and 64 who have lost their spouse or common-law partner and are not yet eligible for full OAS pension benefits.
This benefit fills a financial gap during an especially vulnerable stage of life, ensuring survivors are not left without support.
Who Is Eligible for the $1,647 Survivor Benefit in May 2025?
To qualify for the full amount, you must meet all of the following conditions:
1. Age Requirement
You must be between 60 and 64 years old at the time of application.
2. Marital Status
You must be widowed and not remarried or in a new common-law relationship. If you enter into a new relationship, you are no longer eligible.
3. Residency
You must have:
- Lived in Canada for at least 10 years since age 18, OR
- Worked/lived in a country with a social security agreement with Canada (e.g., the U.S., the U.K., Italy, etc.).
4. Income
Your annual net income must be less than $29,712. Income includes:
- CPP or QPP payments
- Employment or self-employment income
- Investment income
- Other pensions
If your income increases above this threshold (e.g., due to inheritance or part-time work), you may no longer qualify.
Real-Life Example
Case Study: Jane is 61, living in Ontario. Her husband passed away two years ago. She earns $15,000 a year from part-time work and receives $5,000 annually from CPP survivor benefits. Her total net income is $20,000. She has lived in Canada since age 25.
Result: Jane is eligible and may receive up to $1,647.34 per month starting May 2025.
Who Is Not Eligible?
You do not qualify if:
- You are under 60 or 65 and older
- You have remarried or entered into a new common-law relationship
- You did not live in Canada for at least 10 years after age 18 (unless covered by a social security agreement)
- You earn $29,712 or more annually
- You are currently incarcerated in a federal institution
Special Rules for Sponsored Immigrants
If you were sponsored to come to Canada and have not lived here for 10 years, you may still qualify if:
- Your sponsor has died
- Your sponsor declared bankruptcy
- Your sponsor was imprisoned for more than 6 months
- Your sponsor was convicted of abusing you
In these cases, the benefit may be paid despite the sponsorship agreement.
How Much Will You Receive?
The maximum benefit from April to June 2025 is $1,647.34 per month.
This amount is:
- Adjusted quarterly for inflation
- Based on your previous year’s income
The less you earn, the more you receive (up to the maximum).
When Are Payments Issued?
Payments follow the Old Age Security (OAS) schedule. For May 2025, the payment will be made on May 28, 2025.
How to Apply for Canada’s $1,647 Survivor Benefit?
Step-by-Step Guide
- Check your eligibility using this online tool
- Gather required documents:
- Social Insurance Number
- Marriage/death certificates
- Income statements
- Proof of residence
- Apply either:
- Online: Via your My Service Canada Account
- By Mail: Print and mail Application Form ISP-3008
Tip: Apply as soon as you’re eligible. Retroactive payments are limited to 11 months.
Common Mistakes to Avoid
- Missing the income deadline: File your taxes by April 30 each year to prevent benefit interruptions.
- Not reporting changes: Report marital status, income, or residency changes promptly.
- Assuming you’re ineligible: Even if you haven’t lived in Canada for 10 years, social security agreements may help you qualify.
Canada CRA Confirms $2,166 Pension Payment for May 2025 – Check Payment Date
Canada $2,900 CPP Increase – Check May 2025 Pension Plan Payment Dates and Facts
Canada $1,518 Workers Benefit in May 2025 – Check Out Who Qualifies, Payment Date, and Facts
Frequently Asked Questions (FAQs)
Q1: Is the Allowance for the Survivor taxable?
No. This benefit is non-taxable.
Q2: What happens when I turn 65?
Your Allowance stops, and you may be eligible for the Old Age Security (OAS) pension.
Q3: Can I receive both this and CPP survivor benefits?
Yes. CPP survivor benefits are separate and taxable. You can receive both, but CPP payments count toward your income for this benefit.
Q4: What if my income changes during the year?
Service Canada reviews your income annually. Notify them immediately of significant changes to avoid overpayments or discontinuation.
Q5: How long does approval take?
Processing times vary, but expect 6 to 12 weeks. Apply early.
Q6: Can I appeal if I’m denied?
Yes. Submit a written reconsideration request within 90 days of receiving your denial letter. Further appeals can go to the Social Security Tribunal of Canada.
