Losing a spouse is not only emotionally painful—it can also be financially overwhelming. Recognizing this hardship, the Government of Canada offers a benefit known as the Survivor Allowance, which provides critical financial support to low-income Canadians aged 60 to 64 who have lost their spouse or common-law partner. In 2025, eligible individuals may receive up to $1,647.34 per month, depending on their income.
This non-taxable monthly payment is designed to bridge the financial gap until age 65, when Old Age Security (OAS) and the Guaranteed Income Supplement (GIS) become available.
What Is the Survivor Allowance?
The Survivor Allowance is a temporary government benefit that helps low-income individuals who are widowed and not yet eligible for OAS. It ensures that they do not fall into severe financial hardship during this transition period.
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The amount is adjusted quarterly based on the Consumer Price Index (CPI), so recipients are protected from inflation.
Who Qualifies for the Survivor Allowance?
To be eligible, you must meet specific age, income, marital, and residency criteria. Here’s a full breakdown:
1. Age Requirement
You must be between 60 and 64 years old at the time of application.
2. Marital Status
You must be widowed—your spouse or common-law partner must have died—and you must not have remarried or entered a new common-law relationship.
3. Residency Status
You must be a Canadian citizen or legal resident, and you should have lived in Canada for at least 10 years since turning 18.
4. Income Threshold
Your annual income must be less than $29,712 to qualify. This includes employment income, pensions, government assistance, and other earnings. If your income exceeds this amount, you are not eligible.
How to Apply for the Survivor Allowance
Unlike some benefits, this one is not automatic—you must apply manually. The process is simple if you follow the correct steps:
Step 1: Prepare Your Documents
You’ll need to gather the following:
- Social Insurance Number (SIN)
- Proof of birth (e.g., birth certificate or passport)
- Death certificate of your spouse or partner
- Proof of Canadian residency (e.g., utility bill or lease)
- Latest income documents (such as a tax return or Notice of Assessment)
Step 2: Download the Application Form
Find the form titled “Allowance for the Survivor Application” on the official Government of Canada website or collect it from your nearest Service Canada office.
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Step 3: Submit the Application
Send the completed form by mail or deliver it in person at a Service Canada location.
Step 4: Wait for Processing
The review process can take 8 to 12 weeks. If approved, your payments will begin the month after the decision is made. If your application is denied, you can appeal with additional documentation.
How Much Can You Receive?
The maximum monthly amount for June to August 2025 is $1,647.34. However, the exact payment depends on your income. Here’s how it breaks down:
| Annual Income Range | Estimated Monthly Payment |
|---|---|
| $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 |
The government reassesses payments every three months, and any changes in income may result in an adjustment.
Can You Receive Other Benefits Together?
Yes, the Survivor Allowance can be combined with other support programs, including:
- CPP Survivor Benefit: If your spouse contributed to the Canada Pension Plan
- Guaranteed Income Supplement (GIS): Becomes available at age 65
- Provincial Senior Aid: Some provinces offer additional help, such as housing or medication assistance
What Happens If You Start Earning Again?
If you start working or earning income after receiving the allowance, your eligibility may change. Specifically, if your income exceeds $29,712, your payments will stop. However, if your income drops again, you can reapply.
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This flexibility ensures support is available when it’s truly needed.
Tips for a Hassle-Free Application Process
Here are some ways to ensure your application is successful and stress-free:
- Double-check that all documents are correct and up to date
- Apply early — don’t wait until you’re facing a crisis
- Ask for help if needed from Service Canada agents or local senior support centers
Remember, even though the paperwork may seem intimidating, this benefit can offer vital financial stability during a difficult time.
Why the Survivor Allowance Matters
Navigating life after the loss of a spouse can be one of the most emotionally and financially vulnerable periods in a person’s life. The Survivor Allowance provides breathing room—helping widowed Canadians meet their basic needs until they qualify for full retirement benefits at age 65.
If you or someone you know fits the eligibility criteria, don’t delay. Apply and claim the support you deserve.
