GIS Benefit Increase to $1,700 in 2025: The Canadian government has made a big increase in the Guaranteed Income Supplement (GIS) benefit to provide relief to the elderly in 2025. Now this benefit has increased to $1,700 annually, which will provide relief to low-income seniors from rising inflation. This benefit is available to seniors who receive Old Age Security (OAS) pension and whose annual income is less than a certain limit.
If you are close to retirement, helping an elderly person or planning your finances, then this article is for you. Here we will cover all the information related to GIS in simple language – eligibility, payment amount, payment dates and application process.
What is GIS and why is it important?
The Guaranteed Income Supplement i.e. GIS is a monthly, tax-free benefit that is added to the OAS pension. Its purpose is to help low-income seniors easily meet their basic needs – such as housing, food and health services. For seniors who do not have retirement savings or pensions, it serves as a lifeline.
How much is the GIS increase in 2025?
| Aspect | Details |
|---|---|
| Maximum Monthly GIS | $1,086.88 (for single seniors) |
| Annual Increase | Approximately $1,700 (an increase of $140 per month) |
| Eligibility Income Threshold | Single individual: Annual income under $22,056 |
With this increase, the GIS benefit is now more effective. This will directly help thousands of seniors.
What is the eligibility for GIS?
Basic criteria:
- Age must be 65 years or older
- Be a Canadian citizen or legal resident
- Residing in Canada
- Receiving an OAS pension
Income limits (2025):
| Marital Status | Maximum Annual Income |
|---|---|
| Single, Widowed, or Divorced | Less than $22,056 |
| Married (both receiving OAS) | Less than $29,136 (combined) |
| Married (only one receiving OAS) | Less than $52,848 (combined) |
Note: OAS and GIS are not included in income.
Amount of GIS payment in 2025
The amount of GIS is determined based on income and marital status.
| Status | Maximum Monthly GIS (2025) |
|---|---|
| Single senior | $1,086.88 |
| Married (both receiving OAS) | $654.23 per person |
| Married (only one receiving OAS) | $1,086.88 |
This amount is updated every quarter according to the cost of living but is not reduced.
GIS payment dates (2025)
GIS is paid on the same dates as OAS:
- January 29
- February 26
- March 27
- April 28
- May 28
- June 26
- July 29
- August 27
- September 25
- October 29
- November 26
- December 22
If you chose direct deposit, the money is in your account by noon the same day.
How to apply for GIS?
Automatic enrolment:
If you applied for an OAS pension, in most cases you will be automatically registered for GIS. You will receive a confirmation of this by a letter.
If not automatically enrolled:
- Apply online through My Service Canada Account
- Or complete a paper application and send it to Service Canada
Documents required:
- Social Insurance Number (SIN)
- Earnings information from the previous tax year
- Proof of marital status (if required)
It is best to apply at least 6 months before you turn 65.
Effect of income on GIS benefits
GIS is an income-tested benefit. This means that:
- For every $1 of income you earn above the limit, GIS is reduced by $0.50.
Common income sources that count:
- Earnings from a job
- CPP/QPP pensions
- RRSP withdrawals
- Rental income
- Foreign pensions
Example: If your income last year was $5,000 (excluding OAS and GIS), you would have $2,500 annually (or about $208 monthly) deducted from your GIS.
Other GIS-related benefits
The Allowance (for ages 60–64):
If you are between the ages of 60 and 64 and your spouse is receiving GIS, you may be eligible for The Allowance.
The Allowance for the Survivor:
If you are between the ages of 60–64, have a low income and your spouse has passed away, this additional benefit helps you.
Conclusion
The increase in GIS benefits to $1,700 in 2025 is a big relief for low-income seniors in Canada. It not only strengthens their financial position but also gives them an opportunity to live a dignified life. If you or someone in your family is eligible for GIS, it is very important to get complete information about this scheme and apply on time.
FAQs On GIS Benefit Increase to $1,700 in 2025
Q. Is GIS taxable?
A. No, GIS is a tax-free benefit.
Q. Do I have to apply for GIS every year?
A. If you filed your tax return last year, the benefit is automatically renewed.
Q. Will GIS stop if my income increases?
A. If your income goes above a certain limit, GIS is reduced or may stop altogether.