Canada Survivor Allowance is an important financial management program that is aimed at helping widowed Canadians between between 60 and 64 years old who have not yet been able to receive Old Age Security (OAS) benefits. This allowance is a monthly saving that provides much-needed relief to live expenses in an otherwise challenging transition time. To accommodate slight changes in indexation to keep abreast with inflation, payments will be increased to a maximum of $1,675.45/month of October 2025.
Eligibility Criteria
In order to be eligible to receive the Survivor Allowance in 2025, applicants should:
– Be between 60 and 64 years old.
– Be a Canadian citizen or a Canadian legal resident.
– – Must be at least 10 years living in Canada since the age of 18 (there are exceptions on this under international agreements).
– Lost a common-law partner or a spouse, and has not remarried or contracted a new common-law partner.
– Earn less than $30,216 per year according to the last year tax filing.
– File an application that has been made complete, since this benefit cannot be made automatically.
Payment Details
– The maximum amount that could be paid per month is $1,675.45 to the eligible people between October and December 2025.
– The amount paid decreases slowly in case the income of the recipient exceeds 30, 216 annually.
– say, such a person, who made 25,000 a year, could get almost the entire sum.
– When the income is less than 31,000, the payment can be cut down to a considerable amount or even removed.
– The allowance is not taxable, and therefore, the recipients are not required to pay federal income taxes on such amounts.
Payment Dates and Methods
The payments are done monthly, in conjunction with Old Age Security (OAS) and Guaranteed Income Supplement (GIS) payments. The date of payment of October 2025 will be on Wednesday, October 29, 2025.
Payments may be made to recipients through:
– Direct Deposit: The most desirable and fast and reliable.
– Cheque by Mail: This service is offered to individuals who choose this way, but it can take a long time.
Application Process
The applicants must communicate via Service Canada, and present:
– Proof of age and identity.
– Residency and death of spouse documentation.
– Income checking (Latest tax returns).
– Affirmation of not remarrying or going into a new common-law relationship.
Summary Table: Canada Survivor Allowance Important Information
| Step | Details |
|---|---|
| Eligibility | Minimum credit score, stable income |
| Lenders | Banks, credit unions, online lenders |
| Documents Required | ID, income proof, employment info, residence |
| Application Method | Online or in-person |
| Approval Time | Seconds to hours |
| Funding Time | Immediate or within 1-2 business days |
| Costs | APR varies; possible origination fees |
FAQs
Q1: Does the Survivor Allowance qualify as taxable?
No, it is a non-taxable benefit.
Q2: Am I to apply to the Survivor Allowance?
No, the application is not an automatic payment.
Q3: What if my income changes?
You may have a reduction or increase in income; indicate any changes to Service Canada.
Q4: I am going to be paid out October 2025 Survivor Allowance, when will that be paid out?
The payments will be done on October 29, 2025.
