Rising inflation and cost-of-living pressures have made it harder for many seniors across Canada to make ends meet—especially those living on fixed incomes.
In response, the federal government is taking bold action in 2025 by increasing the Guaranteed Income Supplement (GIS) by $500 per month, or $2,100 annually.
This non-taxable benefit aims to offer financial relief to low-income seniors, helping them manage everyday expenses like groceries, rent, utilities, and medication.
In this article, we’ll walk through who qualifies, how much you could receive, when payments arrive, and how to maximize this important support.
What Is the Guaranteed Income Supplement (GIS)?
The Guaranteed Income Supplement (GIS) is a monthly payment available to seniors 65 years and older who receive Old Age Security (OAS) and have a low annual income.
Unlike OAS or CPP, GIS is not taxable, which makes it even more valuable for financially vulnerable Canadians. The 2025 increase boosts GIS benefits significantly—bringing the maximum monthly amount up to $1,586.88 for some recipients.
2025 GIS Payment Dates
GIS payments are deposited on the same schedule as OAS payments, providing consistency each month. For 2025, key upcoming payment dates include:
| Month | Payment Date |
|---|---|
| July | July 27, 2025 |
| August | August 20, 2025 |
| September | September 24, 2025 |
| October | October 29, 2025 |
Ensure your banking information is current through My Service Canada Account to avoid delays.
GIS Benefit Breakdown with 2025 Boost
With the 2025 GIS increase, eligible seniors could receive up to $1,586.88 per month, depending on their income and marital status. Here’s a snapshot of the new GIS payment structure:
| Status | Annual Income Limit | Max Monthly GIS (2025) |
|---|---|---|
| Single / Widowed / Divorced | Under $22,056 | $1,086.88 |
| Married (both on OAS) | Under $29,136 | $654.23 each |
| Married (one receives Allowance) | Under $40,800 | $654.23 |
| Married (spouse not on OAS) | Under $52,848 | $1,086.88 |
Combined with OAS (up to $800.44/month for those 75+), a single senior could now receive over $2,387/month, making a significant dent in living costs.
Who Is Eligible?
To qualify for the GIS increase in 2025, you must:
- Be 65 years or older
- Be living in Canada
- Receive the Old Age Security (OAS) pension
- Meet the annual income requirements outlined above
Important: Income is based on your most recent tax return, so filing your taxes on time is essential to continue receiving GIS.
How to Apply for GIS
Many seniors are automatically enrolled when they begin receiving OAS. However, if you are not, you’ll need to apply manually.
Step-by-Step:
- Check your eligibility
Ensure you meet age, residency, and income requirements. - Download the GIS application (ISP-3025)
Available on the Service Canada website. - Gather supporting documents
Such as proof of income, residency, and marital status. - Submit the application
Via mail or in person to Service Canada. You can also track your status online via My Service Canada Account.
How to Maximize Your Retirement Income
Make the most of the GIS increase and other senior benefits with these practical tips:
- Always file your taxes on time
GIS eligibility is reassessed annually through your tax return. Not filing can cause you to lose benefits. - Use free financial resources
Local community centers and nonprofits often offer free financial advice and tax clinics for seniors. - Explore other government programs
You may also qualify for the Allowance if you’re aged 60 to 64 and your spouse receives GIS, or provincial top-up programs. - Set up direct deposit
Ensures you receive payments on time with no risk of delay.
Mistakes to Avoid
| Mistake | Why It Matters |
|---|---|
| Not applying manually if not auto-enrolled | You’ll miss out on monthly GIS payments |
| Missing the tax filing deadline | Can lead to suspension of GIS payments |
| Assuming GIS is taxable | It’s non-taxable—make sure you understand your net income impact |
The $500 monthly boost and $2,100 annual increase to the Guaranteed Income Supplement (GIS) in 2025 is a lifeline for many low-income Canadian seniors. As inflation continues to rise, this enhancement helps cover essential living expenses and brings greater financial security.
If you or someone you know may qualify, take action:
- Check eligibility
- Apply if needed
- File taxes on time
- Stay informed through My Service Canada
In challenging economic times, these benefits are more important than ever. Don’t leave money on the table—make sure you receive every dollar you’re entitled to.
FAQs
Do I automatically get the $500 monthly GIS increase?
If you already receive GIS and meet the income requirements, the increase will apply automatically. If not, you’ll need to apply manually.
When will the $2,100 annual GIS increase start?
It’s included in the monthly payments starting in January 2025, with full effect reflected in monthly payments throughout the year.
Will the GIS payment affect other benefits?
GIS is non-taxable and doesn’t directly affect OAS or CPP, but it may interact with provincial benefits or subsidies. Always check with your local programs.