Losing a spouse or common-law partner can be one of life’s most difficult challenges — emotionally, mentally, and financially. For Canadians in their early 60s who suddenly find themselves without the primary household income, the financial strain can be overwhelming. To provide relief during this period, the federal government offers the Allowance for the Survivor, a targeted benefit aimed at helping low-income individuals bridge the gap until they reach full retirement age.
In June 2025, this monthly payment is set to provide as much as \$1,647.34 to eligible recipients, offering a crucial lifeline until they transition to the Old Age Security (OAS) and Guaranteed Income Supplement (GIS) at age 65.
Understanding the Allowance for the Survivor
The Allowance for the Survivor is a non-taxable federal benefit under the OAS program, specifically designed for Canadians between the ages of 60 and 64 who have lost their spouse or common-law partner. Unlike other benefits, it is income-tested, meaning the amount you receive depends on your net income from the previous year.
For 2025, the maximum monthly payout is \$1,647.34, which can help cover essential living expenses while recipients adjust financially. It’s important to note that this benefit is not permanent — it ends once you turn 65, at which point you become eligible for OAS and possibly GIS.
Who Is Eligible for the June 2025 Payment?
The eligibility requirements for the Allowance for the Survivor are very specific. To qualify, you must:
- Be between 60 and 64 years old (applications can be submitted up to 11 months before your 60th birthday).
- Live in Canada at the time of application and have resided in the country for at least 10 years after turning 18.
- Have lost a spouse or common-law partner.
- Not have remarried or entered into a new common-law relationship since your partner’s passing.
- Have a net annual income below \$29,712, as shown on your most recent Canada Revenue Agency (CRA) Notice of Assessment.
If your income exceeds the cap, you won’t qualify for payments. However, even those with moderate incomes may receive partial benefits.
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How the Payment Amount Is Calculated
Not all recipients receive the full \$1,647.34 each month. The payment amount is based on your declared income, with lower incomes resulting in higher benefits.
For example:
- Net income of \$10,000 – Estimated monthly benefit of about \$1,094.75
- Net income of \$15,000 – Estimated monthly benefit of about \$817.62
- Net income of \$29,000 – Estimated monthly benefit of about \$91.80
- Income above \$29,712 – Not eligible
Since the government uses your tax return to calculate your payment, ensuring your filing is up to date and accurate is essential.
How It Compares to the CPP Survivor’s Pension
Many people confuse the Allowance for the Survivor with the Canada Pension Plan (CPP) Survivor’s Pension. While both aim to support surviving spouses, there are key differences:
| Feature | Allowance for the Survivor | CPP Survivor’s Pension |
|---|---|---|
| Income-Tested | Yes | No |
| Maximum Monthly Payment | \$1,647.34 | About \$647.41 |
| Based on Contributions | No | Yes |
| Duration of Payment | Until age 65 | For life (if eligible) |
Importantly, it’s possible to receive both benefits if you meet the criteria — a move that could significantly boost your monthly income during this transitional period.
June 2025 Payment Date
For eligible recipients, the June 2025 payment is scheduled for June 26, 2025. Payments are made monthly, and depending on your eligibility date, you could also receive retroactive payments for up to 11 months prior to your application.
How to Apply – Two Main Options
You can apply for the Allowance for the Survivor either online or by mail. The process is straightforward, but gathering all required documents in advance can speed things up.
1. Applying Online
- Log into your My Service Canada Account (MSCA).
- Select “Apply for a benefit” and choose “Allowance for the Survivor”.
- Upload necessary documents (death certificate, Social Insurance Number, proof of income).
- Submit your application and save the confirmation number for records.
2. Applying by Mail
- Download and complete Form ISP-3008.
- Attach photocopies of all required documents.
- Mail the completed form to Service Canada.
Processing typically takes around 12 weeks, so applying early is advisable.
Transitioning at Age 65
The Allowance for the Survivor is a temporary benefit. Once you turn 65, you’ll transition to other federal supports:
- Old Age Security (OAS) – A monthly payment available to most Canadians 65 and older.
- Guaranteed Income Supplement (GIS) – Additional financial support for low-income seniors.
Planning for this shift is crucial to ensure a seamless transition and uninterrupted income.
Provincial Top-Ups and Additional Assistance
Some provinces offer extra financial support for seniors receiving the Allowance for the Survivor. For example, British Columbia provides a Senior’s Supplement for low-income residents.
Check with your provincial or territorial government to see if you qualify for additional benefits.
Budgeting and Financial Planning Tips
While the Allowance for the Survivor can help, it may not cover all expenses. Financial advisors recommend:
- Creating a monthly budget to track spending.
- Using savings tools like RRSPs or TFSAs to supplement income.
- Exploring community programs and subsidies for seniors.
- Seeking advice from a non-profit credit counsellor if debt is an issue.
Why Applying Early Matters
Many people delay applying for survivor benefits, either due to grief or lack of awareness. However, applying early ensures you receive your payments as soon as possible and maximizes your retroactive payment eligibility.
Key Takeaways
- The Allowance for the Survivor is designed for Canadians aged 60–64 who have lost a spouse and meet income requirements.
- The maximum payment for June 2025 is \$1,647.34 per month.
- Applications can be made online or by mail, with a payment date of June 26, 2025 for approved recipients.
- You may qualify for both this benefit and the CPP Survivor’s Pension.
- Planning ahead for the transition to OAS and GIS at 65 is essential.
