Rising prices are putting serious pressure on seniors across Canada, especially those living on a fixed income. That’s why the federal government has announced a big move for 2025: an extra $500 per month and $2,100 annually added to the Guaranteed Income Supplement (GIS). This change is aimed directly at helping low-income seniors manage the growing cost of living. In this article, we’ll walk through who qualifies, how to apply, when the payments arrive, and some practical advice for getting the most out of this benefit.
Table of Contents
Overview
The Guaranteed Income Supplement is a non-taxable monthly payment made to low-income seniors who already receive Old Age Security (OAS). With the 2025 increase, eligible seniors could receive up to $1,586.88 per month. This increase is designed to help seniors handle everyday expenses like groceries, rent, and medication.
Eligibility
Wondering if you’re eligible for this boost? Let’s break it down.
Age and Residency
To qualify, you must:
- Be 65 years old or older
- Live in Canada
- Be receiving the Old Age Security pension
Income Thresholds
Your income, and your spouse’s if applicable, plays a major role in determining whether you qualify. Here’s a breakdown of the limits:
| Status | Income Limit | Max GIS Payment |
|---|---|---|
| Single, widowed, or divorced | Under $22,056 | $1,086.88 |
| Married (both on OAS) | Under $29,136 | $654.23 each |
| Married (only one receives Allowance) | Under $40,800 | $654.23 |
| Married (spouse not on OAS) | Under $52,848 | $1,086.88 |
To keep getting GIS, you need to file your taxes every year so the government can reassess your income and eligibility.
Enrollment
Many seniors are automatically enrolled for GIS when they start receiving OAS. If you’re not automatically included, you’ll need to apply manually.
How to Apply
Here’s what to do if you need to apply:
- Check that you meet the eligibility requirements
- Get the GIS application form (ISP-3025) from the Service Canada website
- Gather documents that prove your income and residency
- Submit everything to Service Canada and track your status using My Service Canada Account
- Once approved, the extra funds will be deposited into your bank account if you’ve set up direct deposit
Payments
GIS payments are made on the same dates as OAS, so you can expect them regularly and predictably.
2025 Payment Dates
- July 27, 2025
- August 20, 2025
Monthly Payments
Depending on your income and marital status, the new GIS amount could be as high as $1,586.88 per month in 2025, thanks to the $500 monthly increase.
Advice
Rules around GIS can change, so check the Service Canada website regularly or sign up for updates.
Use Free Financial Advice
Many community centers offer free financial planning help for seniors. These services can guide you on how to manage your income and benefits better.
Always File Taxes
Not filing taxes on time can result in losing your GIS payments. If taxes seem overwhelming, free tax clinics are available across Canada to help seniors file correctly and on time.
Other Programs
Don’t stop at GIS. The Canadian government offers other programs like the Allowance for those aged 60 to 64 who are married to GIS recipients. Do some digging to find more support you might qualify for.
The 2025 GIS increase is more than just an extra payment. It’s a way to help seniors feel more financially secure in a time when every dollar matters. If you or someone you know could benefit, make sure to check eligibility, apply if needed, and take full advantage of this updated support.
FAQs
Who qualifies for the GIS increase?
Seniors 65+, living in Canada, and receiving OAS with low income.
How much extra will I get monthly in 2025?
Eligible seniors may receive an additional $500 monthly.
When will GIS payments be made in 2025?
Next GIS payments are scheduled for July 27 and August 20, 2025.
Do I need to reapply each year?
No, but you must file your taxes yearly to stay eligible.
Where can I apply for GIS?
Apply through Service Canada if not automatically enrolled.
