Canada’s Guaranteed Income Supplement Hits Record High in 2025: What Seniors Need to Know

The Guaranteed Income Supplement (GIS) has reached its highest level ever in 2025, providing essential financial support to low-income Canadian seniors.

With the cost of living on the rise, these increases aim to ensure that seniors can maintain a decent standard of living.

What Is the Guaranteed Income Supplement (GIS)?

The GIS is a non-taxable monthly benefit provided to low-income seniors who are recipients of the Old Age Security (OAS) pension.

It serves as a crucial financial aid for those whose income falls below specific thresholds, helping to cover basic living expenses.

Who Qualifies for GIS in 2025?

To be eligible for the GIS in 2025, applicants must:

Be 65 years or older.
Be a resident of Canada.
Be receiving the Old Age Security (OAS) pension.
Have an annual income below the specified thresholds (excluding OAS and GIS).

2025 Income Thresholds and Maximum Monthly GIS Payments

Marital Status / Situation	Annual Income Must Be Less Than	Maximum Monthly GIS Payment
Single, divorced, or widowed	$22,056	$1,086.88
Spouse/common-law partner receives full OAS pension	$29,136 (combined)	$654.23
Spouse/common-law partner receives the Allowance	$40,800 (combined)	$654.23
Spouse/common-law partner does not receive OAS/Allowance	$52,848 (combined)	$1,086.88

Note: These amounts are subject to quarterly adjustments based on the Consumer Price Index (CPI).

2025 GIS Payment Schedule

GIS payments are issued monthly, typically on the same dates as OAS payments. For 2025, the scheduled payment dates are:

January 29
February 26
March 27
April 28
May 28
June 26
July 29
August 27
September 25
October 29
November 26
December 22=

Ensure your banking information is up to date to receive payments via direct deposit.

How to Apply for GIS

Most eligible seniors are automatically enrolled for GIS when they apply for OAS. However, you may need to apply if:

You did not receive an automatic enrollment letter.
Your situation has changed (e.g., marital status, income).

To apply:

Online: Through your My Service Canada Account.
By Mail: Submit a paper application to Service Canada.

Remember to file your income tax return annually to ensure continued eligibility.

Changes in 2025: What’s New?

In 2025, the GIS saw a significant increase, with eligible seniors receiving approximately $140 more per month, totaling around $1,700 annually.

This adjustment reflects the government’s commitment to supporting seniors amid rising living costs.

The 2025 increase in the Guaranteed Income Supplement marks a significant step in supporting Canada’s low-income seniors. If you or someone you know may be eligible, it’s essential to check the current income thresholds and apply promptly to benefit from these enhancements.

FAQs

Is the GIS taxable?

No, the GIS is a non-taxable benefit. However, it must be reported on your income tax return.

Can I receive GIS if I live outside Canada?

Generally, you must reside in Canada to receive GIS. There are exceptions, but it’s best to consult Service Canada for specific cases.

What happens if my income changes during the year?

If your income decreases significantly, you may be eligible for a higher GIS amount. Contact Service Canada to report changes and have your benefits reassessed.