Canadian seniors receiving Old Age Security (OAS) may also qualify for the Guaranteed Income Supplement (GIS), a non-taxable monthly benefit designed to support low-income retirees.
In 2025, eligible individuals can receive up to $1,086.88 per month, helping cover basic living costs.
This guide will walk you through who qualifies, how to apply, and when to expect payments so you can secure your benefits with ease.
Overview of the 2025 GIS Payment
| 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 OAS |
| Payment Frequency | Monthly, via direct deposit or mailed cheque |
| Application Process | Automatic enrollment in some cases; otherwise, a manual application is required |
| Official Resource | Government of Canada – Guaranteed Income Supplement |
What Is the Guaranteed Income Supplement (GIS)?
The Guaranteed Income Supplement (GIS) is part of Canada’s retirement income system, offering additional financial support to seniors with limited income.
Key Features of GIS:
Tax-Free Income: GIS payments are non-taxable and do not affect other benefits.
Monthly Payments: Direct deposit or cheque payments arrive monthly.
Income-Based Adjustment: The amount you receive depends on your income and marital status.
Who Is Eligible for GIS Payments in 2025?
To qualify for GIS payments, you must meet the following conditions:
1. Age Requirement
Must be 65 years or older.
2. Residency & Citizenship
Must be a Canadian citizen or legal resident.
Must have lived in Canada for at least 10 years after age 18.
3. OAS Pension Requirement
Must be receiving Old Age Security (OAS) benefits.
If you have deferred OAS, you will not qualify for GIS until you start OAS payments.
4. Income Limits for GIS in 2025
GIS eligibility is based on annual income from the previous tax year:
| Status | Annual Income Limit |
|---|---|
| Single, Widowed, or Divorced | Less than $22,056 |
| Married/Common-law (both receive OAS) | Less than $29,136 |
| Married/Common-law (one receives OAS) | Less than $52,848 |
To estimate your potential payment, use the Government of Canada Benefit Calculator.
How to Apply for the $1,381 GIS Payment in 2025
Some seniors are automatically enrolled, but others must apply manually.
1. Automatic Enrollment
If you qualify for automatic GIS enrollment, Service Canada will send a confirmation letter.
No further action is needed—payments will start automatically.
2. Manual Application Process
If you do not receive an enrollment letter, follow these steps to apply manually:
Step 1: Check Eligibility
- Visit the official GIS page to confirm your eligibility.
Step 2: Gather Required Documents
You’ll need:
Social Insurance Number (SIN)
Proof of residency (utility bills, bank statements)
Income tax return or T4 statements
Step 3: Submit Your Application
- Online: Through My Service Canada Account.
- By Mail: Send the completed GIS application form to Service Canada.
- In-Person: Visit your local Service Canada office.
Step 4: Receive Confirmation
Approval or denial letters are sent within 8–12 weeks.
How Are GIS Payments Calculated?
GIS payments depend on:
Annual income (individual or combined for couples).
Retirement savings withdrawals (such as RRSPs or pensions).
Other government benefits received.
GIS amounts adjust annually based on the Consumer Price Index (CPI) to keep up with inflation
Common Mistakes to Avoid When Applying
Failing to report all sources of income (e.g., pensions, savings withdrawals).
Missing the annual tax filing deadline (even if you have no income, you must file taxes to qualify).
Delaying your application after turning 65.
Providing incomplete or incorrect documents.
Receiving Your GIS Payments
GIS payments are made monthly, either by:
Direct deposit into your bank account.
Cheque, mailed to your registered address.
GIS Payment Dates for 2025
GIS payments are issued on the following dates:
January 29, 2025
February 26, 2025
March 27, 2025
April 28, 2025
To track your payments, log into My Service Canada Account.
The $1,381 GIS payment in 2025 offers essential financial support to low-income seniors receiving OAS.
If you qualify, it’s important to apply on time and submit accurate information to avoid delays.
GIS is a tax-free benefit for low-income Canadian seniors.
Maximum payment in 2025: Up to $1,086.88 per month.
Eligibility depends on age, residency, OAS status, and income levels.
Automatic enrollment applies to some seniors, but others must apply manually.
Payments are made monthly, with the next deposit on February 26, 2025.
For more details, visit the Government of Canada GIS page.
