Losing a spouse is one of life’s most difficult experiences. To support those going through this challenging time, Canada’s $1,647 Survivor Benefit in June 2025 is designed to help widowed individuals between the ages of 60 and 64 with low income. This benefit, part of the federal Allowance for the Survivor program, provides financial relief to those who qualify. Whether you’re planning for the future or seeking clarity on eligibility, this guide offers everything you need to know.
Let’s walk you through the essentials: what the benefit is, who qualifies, how much you can get, when payments are made, how to apply—and real-life insights to help you navigate the process with confidence.
Canada’s $1,647 Survivor Benefit in June 2025
| Feature | Details |
|---|---|
| Benefit Name | Allowance for the Survivor |
| Monthly Amount (April-June 2025) | Up to $1,647.34 |
| Eligibility Age | 60 to 64 years old |
| Marital Status | Widowed, not remarried or in a new common-law relationship |
| Income Threshold | Net income below $29,712 |
| Residency Requirement | Lived in Canada for at least 10 years since age 18 |
| Next Payment Date | June 28, 2025 |
| How to Apply | Online via My Service Canada or by mail with form ISP-3008 |
Canada’s $1,647 Survivor Benefit in June 2025 is a crucial financial support for low-income individuals aged 60 to 64 who have lost a spouse. With clear eligibility criteria, flexible application methods, and monthly payments designed to help with living costs, it offers a reliable lifeline during a vulnerable stage of life.
Whether you’re planning ahead or helping a loved one, staying informed ensures that no support goes unclaimed. Don’t wait—check your eligibility and apply early to secure the help you deserve.
What is Canada’s $1,647 Survivor Benefit?
The Allowance for the Survivor is a tax-free monthly benefit provided by the Government of Canada. It supports low-income individuals aged 60 to 64 who have lost their spouse or common-law partner. This benefit is part of the Old Age Security (OAS) suite of programs and is paid monthly.
Unlike many other programs, the Allowance for the Survivor is temporary—ending when the recipient turns 65 and becomes eligible for standard retirement benefits such as OAS and the Guaranteed Income Supplement (GIS). Its main objective is to help individuals during a vulnerable transition period in their early senior years.
The amount is updated quarterly based on inflation using the Consumer Price Index (CPI). For April to June 2025, the maximum payment is $1,647.34. This rate ensures the benefit keeps up with the rising cost of living.
Why This Benefit Matters in 2025
In today’s economy, many seniors face rising housing costs, food prices, and healthcare expenses. According to Statistics Canada, over 40% of single seniors live on low incomes, and widows often bear the highest financial burden. For widowed individuals in the 60–64 age range, who may not yet qualify for full OAS or CPP retirement benefits, this support can be a financial lifeline.
The Allowance for the Survivor helps bridge the gap and ensures individuals can maintain a basic standard of living until more comprehensive benefits become available at age 65.
Who Qualifies for the Survivor Benefit?
To receive this benefit, you must meet all the following criteria:
Age Requirement
- You must be between 60 and 64 years old.
Marital Status
- You must be widowed.
- You must not be remarried or living in a new common-law relationship.
Income Test
- Your net annual income must be below $29,712 (as of 2025).
- This amount includes all income sources: pensions, investments, and other earnings.
Residency Requirement
- You must have lived in Canada for at least 10 years since the age of 18.
- If you do not meet this requirement, you may still qualify under a social security agreement with another country (like the U.S., U.K., or Italy).
Other Conditions
- You must not be currently incarcerated in a federal penitentiary.
Special Considerations
- Immigrants sponsored by family may qualify early if their sponsor has died, gone bankrupt, abused them, or been incarcerated for over 6 months.
How Much Will You Get?
The maximum monthly amount for April to June 2025 is $1,647.34. The actual amount you receive depends on your income:
- If your annual income is under $5,000, you may receive the full amount.
- As your income increases toward the $29,712 threshold, your benefit will be reduced on a sliding scale.
For example, if your income is around $20,000, your benefit might be closer to $800–$1,000 per month, depending on other factors.
Payments are adjusted every three months to reflect changes in the cost of living. Historically, increases have ranged between 0.5% to 1.5% quarterly.
When is the Next Payment Date?
The payment follows the same schedule as the Old Age Security (OAS) program. The next payment date is:
June 28, 2025
Payments are made directly to your bank account if you’re enrolled in direct deposit, or by cheque if you haven’t set that up yet.
Other upcoming dates in 2025 include:
- July 29, 2025
- August 28, 2025
- September 25, 2025
For a full list of payment dates, visit the Government of Canada’s official payment schedule.
How to Apply for the Survivor Benefit
Applying is straightforward and can be done in two ways:
1. Online
- Visit your My Service Canada Account
- Log in or register
- Navigate to “Apply for Allowance for the Survivor”
2. By Mail
- Download and fill out Form ISP-3008
- Attach required documents:
- Proof of age (birth certificate or passport)
- Proof of spouse’s death
- Income information
- Mail it to the address listed on the form
Important Note
- You can apply as early as the month after your 59th birthday.
- Retroactive payments are available for up to 11 months from the date of application.
- Ensure all documents are accurate to prevent processing delays, which can range from 6 to 12 weeks.
Real-Life Example
Maria, age 62, lost her husband two years ago. She earns $12,000 annually from a part-time job. She applied online through My Service Canada and began receiving $1,200/month in survivor benefits. Thanks to the Allowance for the Survivor, Maria can now pay her rent and afford groceries without stress.
James, on the other hand, applied late and missed out on 6 months of retroactive payments—approximately $6,000. His story is a reminder to act quickly when you’re eligible.
Expert Tips to Maximize Your Benefit
- Apply early: Even if you’re not sure you qualify, applying as soon as you’re eligible ensures you receive any possible retroactive payments.
- File taxes on time: Your eligibility is reassessed each year based on your income tax return.
- Consult a financial advisor: They can help plan your income sources to maximize benefits.
- Track your application: Always keep a copy of your application and follow up through My Service Canada or by phone.
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FAQs
1. Can I receive the benefit if I live outside Canada?
Only if you meet the residency or social security agreement criteria. Contact Service Canada for eligibility details.
2. What happens when I turn 65?
The Allowance for the Survivor stops, and you may begin receiving Old Age Security (OAS) and Guaranteed Income Supplement (GIS) instead.
3. Can I still qualify if I receive CPP survivor benefits?
Yes, CPP survivor benefits are separate and do not affect your eligibility for the Allowance for the Survivor.
4. Do I need to reapply every year?
No, but you must file your taxes annually to continue receiving payments. Service Canada will use your tax return to reassess eligibility.
5. How do I check the status of my application?
You can check the status through your My Service Canada Account or by calling 1-800-277-9914.
