Canada’s $1,647 Survivor Allowance: Losing a spouse or common-law partner is a life-altering experience, not only emotionally but also financially. To provide support during such challenging times, the Canadian government offers the Allowance for the Survivor, a non-taxable monthly benefit. This benefit is designed to provide financial assistance to low-income individuals aged 60 to 64 who have lost their spouse or common-law partner and have not remarried or entered into a new common-law relationship.
As of March 2025, eligible individuals can receive up to $1,647.34 per month. In this article, we’ll break down everything you need to know about the Survivor Allowance, including eligibility criteria, application process, payment details, and frequently asked questions. This comprehensive guide will help you understand if you qualify and how to access this crucial financial support.
Canada’s $1,647 Survivor Allowance
The Allowance for the Survivor is a vital financial support system for low-income Canadians aged 60 to 64 who have lost their spouse or common-law partner. By understanding the eligibility requirements, application process, and payment details, you can maximize the benefits available to you. If you believe you qualify, apply as soon as possible to avoid missing out on crucial financial support. For more information, visit the Government of Canada’s official website.
| Feature | Details |
|---|---|
| Maximum Monthly Payment | $1,647.34 |
| Eligibility Age | 60 to 64 years |
| Annual Income Threshold | Less than $29,712 |
| Residency Requirement | Minimum 10 years in Canada since age 18 |
| Application Process | Online via My Service Canada Account or by mail |
| Payment Dates | Monthly, aligned with Old Age Security (OAS) schedule |
| Official Resource | Government of Canada – Allowance for the Survivor |
What is the Allowance for the Survivor?
The Allowance for the Survivor is a government-funded benefit designed to provide financial support to low-income Canadians who have lost their spouse or common-law partner. This benefit acts as a bridge to ease financial burdens until the individual becomes eligible for the Old Age Security (OAS) pension at age 65.
The payment is non-taxable and is calculated based on your income. The maximum amount for March 2025 is $1,647.34 per month, which can significantly help individuals facing financial challenges after losing their partner.
Who is Eligible?
To qualify for the Allowance for the Survivor, you must meet the following requirements:
Age Requirement
- Must be between 60 and 64 years old (inclusive).
Marital Status
- Your spouse or common-law partner has passed away.
- You have not remarried or entered into a new common-law relationship since your partner’s death.
Residency Requirement
- Be a Canadian citizen or legal resident at the time of application approval.
- Lived in Canada for at least 10 years since the age of 18.
Income Requirement
- Your annual income must be less than $29,712.
- Income includes any earnings, pensions, or investment returns.
Note: If you have lived or worked in a country with a social security agreement with Canada, you might still be eligible for a partial benefit even if you haven’t met the full 10-year residency requirement.
How to Apply for the Canada’s $1,647 Survivor Allowance?
Applying for the Allowance for the Survivor involves several steps:
1. Determine If You Need to Apply
Most individuals need to apply manually. It’s recommended to apply as soon as you meet the eligibility criteria to avoid missing out on payments.
2. Gather Necessary Documents
You will need the following information:
- Social Insurance Number (SIN)
- Information about your late spouse or common-law partner (SIN, date of birth, and date of death)
- Residency history since age 18
- Banking information for direct deposit
3. Submit Your Application
- Online: Through the My Service Canada Account (MSCA). If you don’t have an account, you can register online.
- By Mail: Download and complete the ISP3008 application form and mail it along with certified true copies of required documents to Service Canada.
4. Await Confirmation
Service Canada will review your application and notify you by mail. The notification will include:
- Approval or rejection of the application
- The amount you will receive
- The payment start date
Important: Double-check all information for accuracy to avoid delays. If someone is helping you with the application, you must complete the Consent to Communicate Information to an Authorized Person (ISP1603) form.
Payment Details
- The maximum monthly payment for March 2025 is $1,647.34.
- Payments are adjusted quarterly (January, April, July, and October) to reflect changes in the Consumer Price Index.
- Payments are non-taxable and are made monthly, aligned with the Old Age Security (OAS) schedule.
Payment Dates for 2025:
- January 29, 2025
- February 26, 2025
- March 27, 2025
- April 28, 2025
- May 28, 2025
- June 26, 2025
- July 29, 2025
- August 27, 2025
- September 26, 2025
- October 29, 2025
- November 27, 2025
- December 23, 2025
Tip: Sign up for direct deposit to receive your payments directly into your bank account.
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Frequently Asked Questions (FAQs)
1. Can I receive the Survivor Allowance if I move outside of Canada?
- Yes, but you must have lived in Canada for at least 20 years after turning 18 to receive payments abroad.
2. Will the Allowance for the Survivor affect my other benefits?
- No, this benefit is non-taxable and does not impact other government benefits like the Guaranteed Income Supplement (GIS).
3. Can I work and still receive the Survivor Allowance?
- Yes, but your total income must remain below the $29,712 threshold to maintain eligibility.
4. What happens if my income changes?
- Your payment amount may increase or decrease based on your annual income. Service Canada reviews income annually, and adjustments are made accordingly.
