The Guaranteed Income Supplement (GIS) is a non-taxable benefit provided by the Canadian government to support low-income seniors who receive Old Age Security (OAS). In 2025, eligible individuals can receive up to $1,086.88 per month.
If you’re a senior looking to maximize your benefits, understanding the eligibility criteria, application process, and payment schedule is crucial.
GIS Payment
The GIS payment is designed to provide financial assistance to seniors with limited income. The maximum monthly payment for 2025 is set at $1,086.88. Here’s a breakdown of the key details:
| Criteria | Details |
|---|---|
| Maximum Monthly Payment | Up to $1,086.88 for single, widowed, or divorced individuals |
| Income Thresholds | – Single: Less than $22,056/year – Couples (both receiving OAS): Less than $29,136/year – Couples (one receiving OAS): Less than $52,848/year |
| Eligibility Age | 65 years or older |
| Residency Requirement | Must be a Canadian resident and receive the OAS pension |
| Payment Frequency | Monthly, via direct deposit or cheque |
| Application Process | Automatic enrollment in some cases; manual application required otherwise |
GIS Overview
The GIS is an essential part of Canada’s retirement income system, ensuring seniors with limited income can cover basic living expenses.
Key Features
- Non-Taxable: Unlike other retirement benefits, GIS payments are tax-free.
- Monthly Payments: Funds are deposited directly into recipients’ accounts or mailed as cheques.
- Income-Based Adjustments: Payment amounts depend on income and marital status.
Eligibility
To qualify for GIS payments in 2025, you must meet specific criteria.
Age Requirement
You must be 65 years or older to apply for GIS benefits.
Residency and Citizenship
- You must be a Canadian citizen or legal resident.
- You must have lived in Canada for at least 10 years after turning 18.
OAS Pension Requirement
- You must be receiving Old Age Security (OAS) benefits.
- If you have deferred your OAS, you won’t qualify for GIS until you begin receiving OAS payments.
Income Limits
Your eligibility depends on your annual income from the previous tax year:
| Status | Maximum Annual Income |
|---|---|
| Single, Widowed, or Divorced | Less than $22,056 |
| Married/Common-law (both receiving OAS) | Less than $29,136 |
| Married/Common-law (one receiving OAS) | Less than $52,848 |
You can use the Government of Canada’s Benefit Calculator to estimate your potential GIS payments.
Application
Depending on your situation, you may be automatically enrolled or need to apply manually.
Automatic Enrollment
If you qualify, Service Canada will send you a letter confirming your GIS payments—no further action is required.
Manual Application Process
If you’re not automatically enrolled, follow these steps:
Step 1: Check Eligibility
Visit canada.ca to verify your eligibility.
Step 2: Gather Required Documents
You’ll need:
- Your Social Insurance Number (SIN)
- Proof of residency (utility bills, bank statements)
- Your income tax return or T4 statements
Step 3: Submit Your Application
You can apply by:
- Online: Through your My Service Canada Account
- Mail: Send a completed GIS application form to Service Canada
- In-Person: Visit your local Service Canada office
Step 4: Receive Confirmation
Processing takes approximately 8–12 weeks. You’ll receive an approval or denial letter once your application is reviewed.
Payment Calculation
GIS payments are calculated based on:
- Annual income (individual or combined for couples)
- Withdrawals from retirement savings (RRSPs, pensions)
- Other government benefits
Payments are adjusted annually based on the Consumer Price Index (CPI) to keep up with inflation.
Common Mistakes
Avoid these errors when applying for GIS:
- Not reporting all sources of income
- Missing the annual tax filing deadline
- Delaying application after turning 65
- Submitting incomplete or incorrect documents
Payment Schedule
GIS payments are issued monthly through direct deposit or mailed cheques. Here are the payment dates for 2025:
| Month | Payment Date |
|---|---|
| January | 29th |
| February | 26th |
| March | 27th |
| April | 28th |
To track your payments, log in to your My Service Canada Account.
Receiving GIS benefits can significantly improve financial security in retirement. Ensure you meet the eligibility criteria and apply on time to receive your payments without delay.
