The Government of Canada has announced a $1,647 one-time payment under the Canada Pension Plan (CPP) Survivor Benefit, scheduled for June 2025.
This financial assistance is designed to provide relief for individuals who have recently lost a spouse, partner, or parent who contributed to the CPP.
Alongside the lump-sum death benefit, eligible applicants may also qualify for an ongoing monthly Survivor’s Pension, depending on various factors such as age, dependents, and the deceased’s contribution history.
Here’s everything you need to know—from eligibility to application process and payment dates.
What Is the $1,647 Survivor Benefit?
The CPP Survivor Benefit is a financial support program that consists of:
- A $1,647 one-time lump sum payment (Death Benefit)
- An optional monthly Survivor’s Pension for spouses or children of the deceased
This payment is non-taxable, automatically deposited, and can significantly ease financial pressures like funeral expenses, rent, and household bills.
Eligibility for the $1,647 Survivor Benefit
To qualify for the June 2025 Survivor Benefit, the following criteria must be met:
| Requirement | Details |
|---|---|
| CPP Contributions | The deceased must have made valid contributions to CPP |
| Relationship to Deceased | Spouse, common-law partner, or dependent child |
| Proof of Relationship | Marriage certificate or common-law declaration |
| Residency | Applicant must be legally residing in Canada |
| Dependent Children | Under 18 or aged 18–25 in full-time education |
| Survivor’s Pension (if applicable) | Age 35+, raising a child, or living with a disability |
Even remarried individuals may be eligible, provided they submit documentation of their prior relationship to the deceased.
Why the Payment Is $1,647 in 2025
The amount is set as the standard CPP Death Benefit for 2025, meant to assist families with:
- Funeral expenses
- Immediate living costs
- Mortgage or rent
- Childcare and education expenses
While modest, it provides immediate support during one of life’s most difficult periods.
How to Apply for the Survivor Benefit
You can apply online via My Service Canada Account (MSCA) or through an offline form.
Offline Application
- Complete the CPP Survivor’s Pension form
- Attach necessary documents:
- Death certificate
- Marriage/common-law certificate
- Proof of CPP contributions
- Submit via mail or visit a Service Canada office
Online Application (Recommended)
- Log in to MSCA
- Upload required documents
- Submit the application electronically
- Track status and receive updates online
Processing time is usually 6–12 weeks after submission.
What Happens After You Apply?
| Step | Timeline |
|---|---|
| Application Submission | Immediately |
| Review by Service Canada | 6–12 weeks |
| Payment (if approved) | Direct deposit |
| Notification (if declined) | Letter with reason |
Check your bank statement for the deposit, and ensure your contact and banking details are current.
Common Reasons for Denial
Avoid delays or denial by double-checking the following:
- Incomplete or missing documentation
- Lack of valid proof of relationship
- Insufficient CPP contributions by the deceased
- Delayed submission (apply within 60 days if possible)
Why This Benefit Matters
The $1,647 payment and potential monthly pension help survivors:
- Cover funeral or burial costs
- Manage housing or education expenses
- Handle day-to-day costs during a period of transition
For many families, it serves as both a financial cushion and recognition of their loved one’s CPP contributions.
The $1,647 CPP Survivor Benefit arriving in June 2025 is a crucial financial support tool for families who’ve lost a loved one. If you meet the criteria, apply promptly via My Service Canada Account or at your nearest Service Canada office.
Gather documents early, apply without delay, and avoid common mistakes to ensure fast approval.
FAQs
Do I need to apply to get the $1,647 Survivor Benefit?
Yes. The CPP Survivor Benefit is not automatic. You must apply online or via an official form with supporting documents.
How long does it take to receive the payment?
Processing usually takes 6–12 weeks from the time of application submission to direct deposit.
3Can I still qualify if I was previously remarried?
Yes, but you must provide proof of your earlier relationship with the deceased and meet other eligibility conditions.