OAS Survivor Allowance December 2025: If you’re aged 60 to 64, have lost your spouse or common-law partner, and are finding it tough to make ends meet, the Old Age Security (OAS) Allowance for the Survivor might be the financial boost you need. This benefit is a lesser-known gem in Canada’s retirement support system, designed specifically for low-income widows or widowers who haven’t remarried or started a new common-law relationship.
This article provides you complete details about the OAS Survivor Allowance December 2025, eligibility, payment date, payment amount, claim process and all other essential details.
OAS Survivor Allowance December 2025
The OAS Survivor Allowance is a monthly, non-taxable payment from the federal government for Canadians aged 60 to 64 who’ve lost their spouse or common-law partner and are living on a low income. It’s part of the broader Old Age Security (OAS) program, which also includes the OAS pension, the Guaranteed Income Supplement (GIS) for low-income seniors 65 and older, and the regular Allowance for those whose spouse receives OAS and GIS.
The Allowance for the Survivor is unique because it’s tailored for people who are widowed, haven’t moved on to a new relationship, and need help covering essentials like rent, groceries, or medical bills before they qualify for OAS at 65.
Unlike the Canada Pension Plan (CPP), which is based on your work history and contributions, OAS Survivor Allowance is funded by general tax revenues, so you don’t need to have worked to qualify. It’s all about giving you a financial cushion during those in-between years, and it stops the month after you turn 65, when you can apply for OAS and potentially GIS. Since it’s non-taxable, every dollar you receive is yours to keep, which is a big relief when you’re managing a tight budget after losing a partner.
OAS Survivor Allowance December 2025 Eligibility
The Allowance for the Survivor is targeted, so you need to meet specific criteria to qualify. You must be 60 to 64 years old. The benefit stops the month after you turn 65, as you’ll likely qualify for OAS and possibly GIS. Your spouse or common-law partner must have passed away, and you haven’t remarried or entered a new common-law relationship since their death.
Your annual income must be less than $29,712 (based on your 2024 tax return or a 2025 estimate). This includes income from CPP, private pensions, RRSPs, or part-time work, but not OAS, GIS, or the Allowance itself. You need to live in Canada and have lived here for at least 10 years since turning 18. If you’re outside Canada for more than six months, your payments may stop unless you qualify under an international social security agreement (more on that below).
You must be a Canadian citizen or legal resident (like a permanent resident). If you’re a sponsored immigrant who’s been in Canada for less than 10 years since age 18, you may not qualify unless your sponsor has died, gone bankrupt, been imprisoned for over six months, or been convicted of abusing you.
OAS Survivor Allowance December 2025 Payment Dates
The payment schedule aligns with other OAS benefits, like the OAS pension and GIS, arriving on the third-to-last business day of each month if you’re set up for direct deposit. For December 2025, you can expect your payment on December 22, 2025.
If you’re still getting cheques, they’re mailed around the same date, but delivery could take up to 10 business days, depending on where you live. Switching to direct deposit is super easy, log into your My Service Canada Account at canada.ca or call Service Canada at 1-800-277-9914 to set it up. Here’s the full payment schedule for the rest of 2025 to help you plan ahead:
| Month | Payment Date |
|---|---|
| August | August 27, 2025 |
| September | September 25, 2025 |
| October | October 29, 2025 |
| November | November 26, 2025 |
| December | December 22, 2025 |
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How Much Can You Get in OAS Survivor Allowance December 2025?
The amount you receive from the Allowance for the Survivor depends on your income from the previous year (or an estimate of your current year’s income if it’s changed significantly). The government adjusts these amounts four times a year, January, April, July, and October, based on the Consumer Price Index (CPI) to keep up with inflation. Your payments won’t go down if the cost of living drops; they’ll either stay the same or increase.
For October to December 2025, the maximum monthly payment for the Allowance for the Survivor is $1,647.34 if your annual income is less than $29,712. This amount is a combination of the OAS pension base ($727.67 for ages 65–74) and a GIS component tailored for low-income survivors aged 60–64. If your income is close to the $29,712 threshold, your payment might be reduced, typically by 50 cents for every dollar of income above a certain point. For example, if your annual income is $28,000, your Allowance might be slightly less than the maximum, but you can use Service Canada’s OAS Benefits Estimator online to get a precise figure based on your situation.
Here’s a quick look at the key numbers for October to December 2025:
| Benefit | Maximum Monthly Amount | Maximum Annual Income |
|---|---|---|
| Allowance for the Survivor | $1,647.34 | $29,712 |
If you have income from sources like CPP, RRSP withdrawals, or part-time work, it counts toward the $29,712 limit, but OAS, GIS, and the Allowance itself don’t. If your income dropped recently, say, you stopped working or lost a private pension, you can ask Service Canada to use a 2025 income estimate instead of your 2024 tax return. This could increase your payment or make you eligible if you were initially over the income limit.
How to Apply for OAS Survivor Allowance December 2025?
Unlike the OAS pension, which often has automatic enrollment, the Allowance for the Survivor usually requires you to apply manually. Service Canada needs specific details about your spouse’s passing and your income, which they might not have from your tax returns alone. You can apply up to 11 months before you turn 60, or any time between 60 and 64 if your spouse has passed away. Here’s how to do it:
Head to canada.ca and log into your My Service Canada Account. If you don’t have one, you can create an account with your Social Insurance Number (SIN) and personal details. Go to the “Apply for Benefits” section and select the Allowance for the Survivor. Fill in your SIN, income details, residency history, and proof of your spouse’s passing (like a death certificate or funeral director’s statement). You’ll need to upload certified copies of these documents. Submit the application and check your account for updates on its status.
How to Check Your Application Status?
Once you’ve applied, you’ll want to know whether your application was approved, rejected, or still being processed. Here’s how to check: Log into your account at canada.ca. Check the “Benefits and Payments” section for your Allowance for the Survivor status, payment amounts, and upcoming payment dates. You can also update your banking or contact info here. This is the easiest and most secure way to stay in the loop.
What If Your Application Is Rejected or Payments Stop?
Seeing a “Declined” notice or noticing your payments have stopped can be disheartening, but there are ways to fix it. Here’s what might have gone wrong and how to handle it:
Common Reasons for Rejection or Stopped Payments
Your annual income is above $29,712. If your income dropped in 2025 (e.g., you stopped working), ask Service Canada to use a current-year estimate instead of your 2024 tax return. If you’ve remarried or entered a new common-law relationship, you no longer qualify. You must report this change to Service Canada immediately.
You haven’t lived in Canada for 10 years since age 18, or you’ve been outside Canada for more than six months without qualifying under a social security agreement. Your eligibility depends on your 2024 tax return. If you haven’t filed by April 30, 2025, your payments could stop or your application could be rejected. Missing documents, like a death certificate or proof of residency, can lead to rejection.
FAQ’s on OAS Survivor Allowance December 2025
When the OAS Survivor Allowance December 2025 be deposited?
The OAS Survivor Allowance December 2025 is scheduled to be paid on 22 December, 2025. Direct deposit is the fastest way to receive funds.
What will be the maximum monthly amount for 2025
The posted maximum is $1,647.34 dollars per month. Your actual payment depends on the basis of your net income.
Who is eligible between ages of 60 and 64?
Low income widows, widowers and the surviving common law partners who should be meet residency and legal status conditions.
How do I apply for OAS Survivor Allowance December 2025?
You must be apply online through My Service Canada Account or by mailing a completed paper form with supporting documents to the Service Canada.