To help low-income seniors keep up with the rising cost of living, the Canadian government has officially confirmed a $1,395 annual increase to the Guaranteed Income Supplement (GIS) starting July 2025.
This move aims to provide greater financial relief for elderly citizens relying heavily on Old Age Security (OAS) and facing income challenges due to inflation and economic uncertainty.
Let’s break down what this Guaranteed Income Supplement boost means, who qualifies, how much they can expect to receive, and how to ensure you don’t miss out.
What Is the Guaranteed Income Supplement (GIS)?
The GIS is a non-taxable monthly benefit provided to low-income seniors who receive the Old Age Security (OAS) pension.
It acts as an income top-up for individuals or couples who have little to no other income during retirement. Guaranteed Income Supplement plays a crucial role in supporting Canadians aged 65 and older who are most vulnerable financially.
With the new 2025 enhancement, eligible recipients can expect an additional $116.25 per month, totaling $1,395 per year in extra support.
Who Is Eligible for the GIS Increase in July 2025?
To receive the Guaranteed Income Supplement increase, seniors must meet certain criteria established by the government. These are based on age, income level, and OAS status.
Eligibility Requirements:
- Must be 65 years of age or older
- Must already be receiving Old Age Security (OAS)
- Annual income must fall below the maximum thresholds
The income thresholds for 2025 Guaranteed Income Supplement eligibility are:
| Category | Income Limit for GIS Eligibility (2025) |
|---|---|
| Single seniors | Less than $21,648 |
| Couples (both receive OAS) | Combined income less than $28,560 |
| Couples (only one receives OAS) | Combined income less than $51,408 |
If your income is below these limits and you meet the age and OAS conditions, you are likely eligible for the new increased GIS payments.
When Will the GIS Increase Take Effect?
The $1,395 GIS increase will begin automatically from July 2025 for all existing Guaranteed Income Supplement recipients. There is no need to reapply if your information with Service Canada is current.
Those who are newly eligible can apply online, by mail, or in person through Service Canada. It’s essential to ensure your most recent income tax return is filed and accurate, as Guaranteed Income Supplement eligibility is determined annually based on your net income.
How Will This Benefit Seniors?
The Guaranteed Income Supplement enhancement is part of broader efforts to improve financial stability for seniors facing higher expenses for housing, healthcare, and basic needs.
The extra $116.25/month can significantly impact household budgets for those with fixed incomes.
This additional financial support reflects the government’s ongoing recognition of the increased cost of living and the need to adjust benefits accordingly for vulnerable populations.
GIS July 2025 Payment Boost Summary
| Benefit Detail | Amount |
|---|---|
| Annual GIS Boost | $1,395 |
| Monthly Increase | $116.25 |
| Start Date | July 2025 |
| Eligibility Age | 65+ |
| Application Requirement | Auto-applied for current recipients; new applicants must apply via Service Canada |
The $1,395 GIS boost coming in July 2025 is a welcome and necessary step to support low-income Canadian seniors struggling with the rising cost of living.
By providing additional monthly payments, the government ensures more security and dignity for older adults in their retirement years.
Existing beneficiaries will see the increase automatically, while new applicants are encouraged to apply promptly with up-to-date income details.
FAQs
Will I need to apply to receive the GIS boost in July 2025?
No, current GIS recipients will receive the increase automatically. New applicants must apply through Service Canada.
How will I know if I qualify for the GIS boost?
If you’re 65 or older, receive OAS, and your income is below the 2025 limits, you’re likely eligible.
What happens if my income changes during the year?
GIS is recalculated annually based on your latest income tax return, so report any changes to ensure accurate payments.