If you’re a senior residing in Canada, the Guaranteed Income Supplement (GIS) may play a critical role in providing financial assistance in 2025. This tax-free benefit is specifically designed to support low-income seniors who receive the Old Age Security (OAS) pension.
Knowing how much you can receive and whether you meet the qualifications is crucial to ensuring financial stability during retirement. Below, we break down GIS eligibility, income thresholds, and payment amounts for individuals and couples in 2025.
What is the Guaranteed Income Supplement?
The Guaranteed Income Supplement is a federal benefit that supplements the OAS pension for eligible seniors with low-income levels. Unlike OAS, GIS eligibility is based exclusively on your annual income and financial need. Payments are adjusted quarterly to reflect changes in the Consumer Price Index (CPI), ensuring that seniors can manage rising living costs.
Who Qualifies for GIS in 2025?
To be eligible for the GIS in 2025, you must meet these requirements:
- Be 65 years or older
- Be a resident of Canada
- Receive the Old Age Security (OAS) pension
- Have an annual income below the required thresholds (listed below)
- File your taxes annually
For payments between July 2025 and June 2026, Service Canada will use your 2024 income tax return to calculate your benefits. Income from registered accounts like the Canada Pension Plan (CPP) or Registered Retirement Income Funds (RRIFs) will also affect your GIS amount, so accurate reporting is essential.
Income Thresholds and Payment Amounts for 2025
GIS payments depend on your marital status and annual income. The table below shows the maximum monthly payments for October-December 2025 and the respective income thresholds:
| Your Situation | Maximum Annual Income Threshold | Maximum Monthly GIS Payment (Oct-Dec 2025) |
|---|---|---|
| Single, divorced or widowed | Below $22,440 | $1,105.43 |
| Couples: spouse receives OAS | Below $29,616 (combined) | $665.41 |
| Couples: spouse receives Allowance | Below $41,472 (combined) | $665.41 |
| Couples: spouse does not receive OAS/Allowance | Below $53,808 (combined) | $1,105.43 |
How is GIS Calculated?
GIS payments gradually decrease as your income rises. For every $1 of income earned above the threshold, your GIS is reduced by $0.50. For example:
- If you’re single and earning $15,000 annually, your income is $7,440 below the $22,440 threshold.
- 50% of that difference, or $3,720, is used to calculate your GIS amount.
- Your monthly payment would combine this value with the base GIS payment, ensuring accurate support.
How to Apply for GIS
If you’re already receiving OAS, you don’t need to apply separately for GIS—Service Canada automatically assesses your eligibility. However, you must ensure your tax returns are filed annually, so Service Canada has up-to-date income information.
If you’re not receiving GIS but believe you qualify, or if your income has dropped due to retirement or other life changes, contact Service Canada directly to request a recalculation based on your current year’s income.
GIS Payment Frequencies
GIS payments are made monthly, typically arriving near the end of each month. Upcoming 2025 payment dates include:
- October 29, 2025
- November 26, 2025
- December 22, 2025
Most recipients receive payments via direct deposit. If you prefer traditional mail delivery, keep in mind that payment times may vary by up to 5 business days.
Take the Next Step
Don’t leave eligible benefits unclaimed. Check your GIS eligibility today using the My Service Canada Portal.
Update your income details, clarify your benefit amount, and ensure you’re receiving every dollar available to support your retirement lifestyle. Start now!
Unlock financial support for your family with the Canada Child Benefit! Learn essential tips to avoid costly mistakes and ensure timely payments. Apply now!
