In 2025, the Canadian government increased the Guaranteed Income Supplement (GIS) to its highest level ever. This benefit is especially helpful for older people who don’t earn much money. With prices of groceries, rent, and other things going up, the increase is meant to help seniors live comfortably and worry less about daily expenses. Let’s break down what this means, who can get it, and how much you could receive.
What Is the Guaranteed Income Supplement (GIS)?
The GIS is a monthly payment given to low-income seniors in Canada. It is meant to support older people who already receive the Old Age Security (OAS) pension but still don’t have enough income. The GIS helps them pay for important needs like food, rent, and medicine.
This money is non-taxable, which means you don’t have to pay taxes on it.
Who Can Get GIS in 2025?
To qualify for the GIS in 2025, you need to meet all the following conditions:
- You must be 65 years old or older.
- You must live in Canada.
- You must be receiving the Old Age Security (OAS) pension.
- Your income must be below a certain level (OAS and GIS are not included in that income).
These rules help make sure that only the seniors who really need help will receive this extra support.
2025 GIS Income Limits and Monthly Payment Amounts
Here is a table showing who can get GIS and how much they can receive each month:
| Situation | Annual Income Must Be Less Than | Maximum Monthly GIS Payment |
|---|---|---|
| Single, divorced, or widowed | $22,056 | $1,086.88 |
| Partner gets full OAS | $29,136 (combined) | $654.23 |
| Partner gets the Allowance | $40,800 (combined) | $654.23 |
| Partner does NOT get OAS or Allowance | $52,848 (combined) | $1,086.88 |
These income limits and payment amounts can change every three months, depending on the Consumer Price Index (CPI).
When Will GIS Be Paid in 2025?
GIS payments are sent once a month, usually on the same day as OAS payments. Below are the GIS payment dates for 2025:
- January 29
- February 26
- March 27
- April 28
- May 28
- June 26
- July 29
- August 27
- September 25
- October 29
- November 26
- December 22
Tip: Make sure your bank details are up to date so you get the money on time through direct deposit.
How to Apply for the GIS
Most seniors are signed up for GIS automatically when they apply for the OAS pension. But in some cases, you may need to apply yourself, like if:
- You didn’t receive a letter about automatic enrollment.
- Your income or marital status has changed.
Ways to apply for GIS:
- Online: Use your My Service Canada Account.
- By mail: Send your completed paper form to Service Canada.
Also, don’t forget to file your income tax return every year, even if your income is low. This helps Service Canada check your eligibility.
What’s New in GIS for 2025?
In 2025, there was a big change. The GIS amount increased by around $140 per month, which means about $1,700 more per year for eligible seniors.
This increase shows the government’s effort to help older Canadians handle the higher cost of living. It also means that even more seniors may qualify or get higher payments than before.
Why This Matters
As the prices of daily needs go up, it becomes harder for low-income seniors to manage. The new changes in the GIS program give more support, making life a bit easier. If you or someone you know is a senior with low income, checking eligibility and applying for GIS could bring helpful financial relief.
FAQs about the Guaranteed Income Supplement
Q1: Is GIS money taxable?
No, GIS is not taxable. But you still need to include it in your tax return.
Q2: Can I get GIS if I move outside Canada?
Usually, no. You must live in Canada to get GIS. Some rare exceptions exist, but it’s best to check with Service Canada.
Q3: What if my income drops during the year?
If your income goes down a lot, you might get a higher GIS amount. Contact Service Canada and tell them about the change so they can reassess your payment.
Conclusion
The 2025 update to the Guaranteed Income Supplement is a big help for Canada’s low-income seniors. With monthly payments now higher than ever, it’s easier for many older adults to cover their everyday needs. If you or a loved one might qualify, it’s important to check the income rules and apply right away. Don’t forget to file your taxes every year, and keep your information updated with Service Canada. A few simple steps can ensure that you get the support you deserve.
