In August 2025, the Canada Revenue Agency (CRA) and Service Canada confirmed that the Guaranteed Income Supplement (GIS) will increase by up to $1,700 annually starting this year.
The adjustment is designed to support low-income seniors who rely on GIS to cover essential expenses such as food, housing, and utilities.
This increase means seniors receiving the Old Age Security (OAS) pension and meeting income thresholds will see higher monthly payments, helping them cope with inflation and rising living costs.
What Is the Guaranteed Income Supplement (GIS)?
The Guaranteed Income Supplement is a non-taxable monthly benefit added on top of OAS for low-income seniors in Canada. It is unique because:
- It is income-tested (amount varies by income and marital status).
- It is non-taxable, meaning seniors keep the full amount.
- It is indexed quarterly to inflation, ensuring payments rise with the cost of living.
Details of the $1,700 Increase in 2025
Starting in January 2025, Guaranteed Income Supplement benefits have been adjusted to reflect both inflation and new federal policy enhancements.
- Single seniors: Up to an extra $140 per month (approx. $1,700 annually).
- Married couples: Each spouse may see increases of up to $900 annually, depending on income.
- Ongoing adjustments: Payments reviewed every quarter; benefits never decrease, even if inflation slows.
GIS Payment Amounts in 2025
| GIS Category | 2025 Monthly Maximum | Annual Increase |
|---|---|---|
| Single senior | $1,086.88 | ~$1,700 |
| Married (both receive OAS) | $654.23 each | ~$900 each |
| Married (one receives OAS) | $1,086.88 | ~$1,700 |
This change makes Guaranteed Income Supplement one of the most significant income supports for vulnerable seniors in Canada.
Eligibility Rules for GIS 2025
To qualify for the Guaranteed Income Supplement increase in 2025, you must:
- Be 65 years or older.
- Be a Canadian resident.
- Be receiving the Old Age Security (OAS) pension.
- Meet the annual income thresholds.
2025 Income Thresholds
| Status | Annual Income Limit |
|---|---|
| Single, widowed, divorced | Under $22,056 |
| Married (both receive OAS) | Under $29,136 combined |
| Married (one receives OAS) | Under $52,848 combined |
Note: OAS and GIS payments are not counted as income when calculating eligibility.
Payment Dates for GIS in 2025
Guaranteed Income Supplement is issued monthly on the same schedule as OAS. Seniors can expect payments on the following dates:
- August 27, 2025
- September 25, 2025
- October 29, 2025
- November 26, 2025
- December 22, 2025
Payments made via direct deposit arrive the same day, while cheques may take up to 10 business days.
How to Apply for GIS
Many seniors are automatically enrolled when they apply for OAS. However, if you don’t receive a confirmation letter, you should apply manually.
Ways to Apply
- Online: Through your My Service Canada Account.
- By Mail: Submit the Guaranteed Income Supplement paper application form.
You will need:
- Social Insurance Number (SIN).
- Proof of income from the previous year.
- Marital status information.
Tip: Apply 6 months before turning 65 to avoid delays.
How Income Affects GIS
Since Guaranteed Income Supplement is income-tested, payments reduce by 50 cents for every $1 of income above the set threshold.
Example:
- A single senior earns $5,000 above the threshold.
- Guaranteed Income Supplement reduction = $5,000 ÷ 2 = $2,500 annually.
- This equals about $208 less per month.
This ensures that Guaranteed Income Supplement is targeted to the seniors who need it most.
Other Related Benefits
- Allowance: For individuals aged 60–64 whose spouse receives Guaranteed Income Supplement .
- Allowance for the Survivor: For widowed Canadians aged 60–64 with low income.
These programs provide bridge support before seniors qualify for OAS and Guaranteed Income Supplement at 65.
The $1,700 annual Guaranteed Income Supplement increase starting in 2025 is a lifeline for low-income seniors facing rising living costs. By combining OAS with Guaranteed Income Supplement , eligible retirees can maintain a more stable financial foundation and reduce the risk of poverty in retirement.
Filing taxes annually, keeping information updated with Service Canada, and enrolling in direct deposit ensures seniors receive their payments without interruption.
FAQs
How much more will seniors get from GIS in 2025?
Eligible seniors may receive up to $1,700 more annually, or about $140 monthly, depending on income.
Do I need to apply for the increase?
No. The increase is automatic if you already receive GIS, though new applicants must apply.
When are the GIS payments made?
Payments are issued monthly on the same dates as OAS, with the next payment on August 27, 2025.