If you or a loved one receives the Old Age Security (OAS) pension and has a low income, there’s good news coming in 2025. The Guaranteed Income Supplement (GIS) is increasing by up to $1,700 annually, offering critical financial help for seniors who need it most.
In this guide, you’ll learn who qualifies, how much you could receive, when to expect payments, and how to apply if you’re not automatically enrolled.
What Is the GIS?
The Guaranteed Income Supplement is a non-taxable monthly benefit that helps low-income seniors cover essential costs like food, rent, and medications. It’s added on top of the OAS pension and doesn’t count as taxable income. In 2025, the benefit is going up, giving eligible seniors more financial breathing room.
GIS is income-tested, which means how much you receive depends on how much other income you report—excluding OAS and GIS themselves.
GIS Increase in 2025
Thanks to cost-of-living adjustments and federal policy updates, the GIS benefit is increasing by approximately $140 per month in 2025. That adds up to about $1,700 more over the course of the year for those at the maximum benefit level.
| GIS Category | 2025 Monthly Max | Annual Increase |
|---|---|---|
| Single senior | $1,086.88 | ~$1,700 |
| Married (both receive OAS) | $654.23 each | ~$900+ each |
| Married (one receives OAS) | $1,086.88 | ~$1,700 |
Payments are adjusted quarterly based on inflation and cost of living but will never decrease if inflation drops.
GIS Eligibility
To receive GIS in 2025, you must meet the following criteria:
- Be 65 or older
- Be a legal resident of Canada
- Be receiving OAS
- Meet the income thresholds based on your status
2025 Income Thresholds
| Status | Annual Income Limit |
|---|---|
| Single, widowed, or divorced | Under $22,056 |
| Married (both receive OAS) | Under $29,136 combined |
| Married (one receives OAS) | Under $52,848 combined |
Tip: Your OAS and GIS benefits do not count as income when determining GIS eligibility.
Payment Dates for 2025
GIS is paid monthly on the same dates as OAS. Here’s when you can expect payments:
| Month | Payment Date |
|---|---|
| January | Jan 29 |
| February | Feb 26 |
| March | Mar 27 |
| April | Apr 28 |
| May | May 28 |
| June | Jun 26 |
| July | Jul 29 |
| August | Aug 27 |
| September | Sep 25 |
| October | Oct 29 |
| November | Nov 26 |
| December | Dec 22 |
Direct deposits typically arrive by midday on the same day.
How to Apply for GIS
Many seniors are automatically enrolled for GIS when they begin OAS. If you’re eligible, you’ll get a letter from Service Canada explaining how much you’ll receive and when.
When You Need to Apply
If you don’t receive that letter and think you’re eligible, here’s what to do:
- Apply online through your My Service Canada Account
- Or fill out a paper application and mail it to Service Canada
What You Need
- Your Social Insurance Number (SIN)
- Income details from the previous year
- Marital status information
Apply at least six months before you turn 65 to avoid any delay in receiving payments.
How Income Affects GIS
GIS is reduced by 50 cents for every dollar you earn over the income threshold. Here’s a simple example:
- A single senior earns $5,000 beyond the income limit
- $5,000 ÷ 2 = $2,500
- GIS is reduced by $208 per month
This helps the benefit focus on those who need the most support.
Other GIS-Linked Benefits
If you’re aged 60–64 and your spouse receives GIS, you may be eligible for The Allowance—a benefit to help bridge the gap until you qualify for OAS.
The Allowance for the Survivor
If you’re 60–64, have a low income, and your spouse has passed away, this benefit offers added support until you reach OAS age.
Canada’s GIS program plays a major role in reducing senior poverty, and the 2025 increase is another step in making sure older adults can live with dignity and financial stability. Whether you’re already receiving it or will soon become eligible, staying informed ensures you get the support you deserve.
FAQs
How much is the GIS increase in 2025?
Up to $1,700 more annually for single seniors.
Is GIS automatically given with OAS?
Yes, in most cases. Otherwise, you need to apply.
Does GIS count as taxable income?
No, GIS is completely tax-free.
Can a married couple both get GIS?
Yes, if both meet eligibility and receive OAS.
When are GIS payments made?
Monthly, on the same dates as OAS payments.
