The Canadian government offers essential financial support for seniors through two main programs—Old Age Security (OAS) and the Guaranteed Income Supplement (GIS). For low-income seniors, these benefits can add up to as much as $1,450 per month, providing critical assistance for covering everyday living expenses.
If you’re wondering whether you qualify for this monthly support and how to make sure you’re receiving the correct amount, this guide breaks it all down.
Overview
| Key Information | Details |
|---|---|
| Maximum OAS (age 65–74) | $727.67/month |
| Maximum OAS (age 75+) | $800.44/month |
| Maximum GIS (single senior) | $1,086.88/month |
| Combined Max (low-income single) | Up to $1,450/month |
| Payment Dates | 29th of each month (approx.) |
| Taxable | OAS is taxable; GIS is not |
| Application | Automatic in most cases; some must apply |
| Official Website | Canada.ca – OAS & GIS |
These programs are more than just numbers—they help seniors live independently and with dignity.
What Is OAS?
Old Age Security is a monthly benefit funded by the federal government, available to most Canadians aged 65 and over. You don’t need a work history to qualify, and it’s not income-tested, although high-income recipients may face a clawback.
OAS Eligibility
To receive OAS, you must:
- Be 65 years or older
- Be a Canadian citizen or legal resident
- Have lived in Canada for at least 10 years after age 18
To get the full benefit, you must have lived in Canada for 40 years after turning 18. If not, your payment will be reduced proportionally.
OAS Payment Amounts (2025)
- Ages 65–74: Up to $727.67/month
- Ages 75+: Up to $800.44/month
These amounts are taxable and indexed quarterly to reflect inflation.
What Is GIS?
The Guaranteed Income Supplement is an additional monthly benefit for low-income seniors who already receive OAS. It is not taxable and is based entirely on your income level.
GIS Eligibility
To qualify, you must:
- Be receiving OAS
- Have an income under $22,056 (for single seniors)
- Be a Canadian citizen or legal resident
GIS payments are higher for those with little to no income and reduce gradually as income rises.
GIS Payment Amounts (2025)
- Single seniors: Up to $1,086.88/month
- Couples: Varies based on combined income and whether one or both receive OAS
Total Monthly Benefit
When combined, OAS and GIS can provide a monthly benefit of:
- Up to $1,450 for single low-income seniors
- Amounts for couples vary depending on household income
These payments help seniors cover necessities like housing, groceries, utilities, and medications.
When Are Payments Made?
OAS and GIS are paid monthly, typically on the 29th of each month. If the 29th falls on a weekend or holiday, the payment is made on the closest business day.
Payment Dates (2025 Examples)
- January 29
- February 26
- March 27
- April 28
You can check future payment dates on Canada.ca or through your My Service Canada Account.
Other Supports Available
Along with OAS and GIS, seniors may also qualify for:
- Allowance: For low-income individuals aged 60–64 whose partner receives GIS
- Allowance for the Survivor: For low-income widows/widowers aged 60–64
- Provincial programs: Like Ontario’s GAINS or BC’s SAFER
- Federal credits: GST/HST credit, Canada Dental Benefit, Climate Action Incentive
Use the Benefits Finder Tool on Canada.ca to see what else you may qualify for.
Managing Inflation
OAS and GIS are adjusted quarterly based on the Consumer Price Index. This helps protect seniors from inflation and ensures their purchasing power keeps pace with the rising cost of living.
Tips for Seniors to Maximize Benefits
1. File Your Taxes
Even if you don’t have income, filing your return ensures eligibility for GIS and other credits.
2. Sign Up for Direct Deposit
It’s faster, more secure, and ensures timely payment.
3. Track Your Income
Even small changes (like RRIF withdrawals or pension income) can affect GIS eligibility.
4. Apply Early
You can apply for OAS up to six months before your 65th birthday.
5. Watch for Retroactive Payments
If you delay applying, you might be eligible for back payments of up to 11 months.
Real-Life Example
Take Mary, a 77-year-old living in Edmonton. With no private pension and only limited savings, Mary qualifies for both OAS and GIS. Her total monthly income from the programs is about $1,450. This allows her to cover rent, medications, and groceries without relying on credit or help from her children.
The OAS and GIS programs are critical lifelines for low-income seniors across Canada. If you or someone you know qualifies, knowing the rules and payment structure can ensure you’re receiving every dollar you’re entitled to.
FAQs
Who qualifies for the $1,450 monthly benefit?
Single seniors 65+ with low income who receive both OAS and GIS.
When are OAS and GIS payments made?
On or around the 29th of each month, depending on holidays.
Is GIS taxable income?
No, GIS is not taxable, but OAS is.
Can I get GIS without OAS?
No, GIS eligibility requires receiving OAS.
How is GIS affected by income?
GIS decreases as your income increases; it’s income-tested.
