In a move welcomed by thousands of seniors across Canada, the federal government has confirmed a \$1395 GIS payment for 2025. This timely support aims to help older Canadians deal with mounting expenses like housing, groceries, medications, and utility bills amid a cost-of-living crisis.
If you’re a retiree struggling with limited income, the Guaranteed Income Supplement (GIS) could be a vital financial boost. Here’s a full breakdown of who qualifies, how much you can receive, key dates, and tips to ensure you don’t miss a payment.
What Is the Guaranteed Income Supplement (GIS)?
The GIS is a monthly non-taxable benefit added on top of your Old Age Security (OAS) pension. Designed specifically for low-income seniors, GIS ensures a more secure standard of living during retirement.
Key Features:
- Paid monthly, alongside OAS
- Tax-free—doesn’t count toward your taxable income
- Based on annual income and marital status
- Must be a Canadian resident and at least 65 years old
Who Can Get the \$1,395 GIS Payment?
To qualify for the \$1395 GIS payment in 2025, seniors must meet four essential conditions:
- Age: Must be 65 or older
- Residency: Must legally live in Canada
- OAS Enrolment: Must already receive Old Age Security
- Income Limits: Annual income must be below government-set thresholds based on marital status
GIS Income Thresholds for 2025
The amount you receive from GIS depends on your net income from the previous tax year. The lower your income, the higher your payment.
| Marital Status | Max Annual Income for Full GIS |
|---|---|
| Single / Widowed | \$20760 |
| Married / Common-law (combined) | \$27600 |
| Married (only one qualifies) | Varies (based on spouse’s income) |
If your income exceeds these limits, the payment is gradually reduced.
यह भी पढ़े:
Extra $2900 CPP Payment Arrives in August 2025, Check Who Qualifies and How Much You’ll Get
How Much Will You Receive?
The maximum confirmed GIS amount is \$1395 per month for eligible seniors. This number can fluctuate depending on income level and household situation.
Example Payment Scenarios:
| Situation | Estimated Monthly GIS |
|---|---|
| Single senior, very low income | \$1395 |
| Married couple (one eligible) | ~\$720 each |
| Couple, slightly over income limit | Reduced proportionally |
When Will the GIS Payments Be Issued?
The GIS is paid on the same day as OAS, with monthly distributions directly to your bank account or mailed by cheque.
Official GIS Payment Dates for 2025:
| Month | Payment Date |
|---|---|
| August | August 28, 2025 |
| September | September 25 |
| October | October 28 |
| November | November 27 |
| December | December 23 |
If your banking info is current in your CRA My Account, you’ll receive the deposit automatically on the date.
How to Apply for GIS
Already Receiving OAS?
Most seniors are auto-enrolled for GIS if they:
- Are receiving OAS
- File an annual income tax return
New Applicants:
If you’re 65+ but not yet receiving GIS:
- Complete GIS Application Form – available online or at Service Canada
- Submit proof of residency – e.g., lease, utility bill, government ID
- File your taxes – keep CRA income records up to date
Once approved, payments begin retroactively to your eligibility date (up to 11 months back).
Maximize Your GIS Payment with These Tips
- Always file taxes on time: GIS eligibility is income-tested based on tax returns.
- Update marital status: If you marry, separate, or lose a spouse, update your records.
- Report income changes: Sudden drops or increases in income can affect monthly amounts.
- Combine other benefits: Seniors may also qualify for provincial top-ups or housing credits.
Why the GIS Is Crucial for Low-Income Seniors
The GIS plays a key role in reducing poverty among older Canadians. Nearly 1 in 4 seniors rely on it to meet basic needs.
Quick Stats:
- Over \$15,000/year in combined OAS + GIS for the lowest-income seniors
- Helps cover food, shelter, transportation, and medical costs
- Strengthens social safety net for aging Canadians
The upcoming \$1,395 GIS payment reaffirms Canada’s commitment to ensuring that retirement does not mean financial insecurity.
5 SEO-Friendly FAQs (Q\&A)
Q1: Is the \$1,395 GIS payment taxable?
A: No, GIS is a non-taxable benefit and doesn’t count as income for tax purposes.
Q2: Can I get GIS before age 65?
A: No. You must be at least 65 and receiving OAS to qualify for GIS.
Q3: What happens if I don’t file taxes?
A: The CRA uses your tax return to determine GIS eligibility. Without it, you may miss payments.
Q4: How do marital changes affect GIS?
A: Marriage, separation, or the death of a spouse can significantly change the payment amount.
यह भी पढ़े:
Canada Announces $2200 One-Time Relief Payment, Check eligibility, Payment Dates And How To Claim
Q5: When will I receive the \$1395 GIS payment?
A: If eligible, you’ll receive it alongside your OAS—next payment is on August 28, 2025.