As inflation continues to affect fixed-income households across Canada, the federal Guaranteed Income Supplement (GIS) remains a critical source of monthly support for low-income seniors. In 2025, adjustments to income thresholds and digital application processes have made the program more accessible—though many still don’t know if they qualify.
The Guaranteed Income Supplement is a non-taxable monthly benefit provided to Old Age Security (OAS) pension recipients who have little or no other income. It's designed to help Canada's most financially vulnerable seniors meet their basic needs.
GIS has existed since 1967 and is automatically reviewed each year based on an individual's previous year’s income. The payment is income-tested, meaning higher income from other sources such as pensions or part-time work may reduce or eliminate eligibility.
As of July 2025, eligibility criteria for GIS include:
The maximum monthly GIS payment for a single senior in 2025 is approximately $1,134.17. For couples where both receive OAS and GIS, each can receive up to $682.45, depending on their joint income.
Payments are adjusted quarterly based on the Consumer Price Index to reflect changes in the cost of living.
Seniors who are already receiving OAS and have filed their income taxes are automatically considered for GIS. However, those who delay filing taxes or who are new residents to Canada may need to apply manually.
Applications can be completed:
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Subscribe NowReceiving GIS may open access to other provincial and municipal programs, such as:
"GIS is not just a federal program—it’s a gateway to a whole network of supports for seniors who need them most," says Louise Tremblay, a retirement advisor in Quebec City.
Advocacy groups continue to call for higher GIS thresholds and simplified enrollment for seniors with language barriers or limited internet access. The federal government has promised to review the program’s reach as part of its Seniors Strategy 2025–2030.
For many seniors in Canada, the Guaranteed Income Supplement makes the difference between financial insecurity and stability. In 2025, knowing how to access and qualify for GIS is more important than ever as Canadians age and economic pressures persist.
