Amelia
The Guaranteed Income Supplement (GIS) is a monthly, income-tested top-up paid to low-income seniors who already receive Old Age Security (OAS).
Payments are indexed quarterly (January, April, July, October) to reflect changes in the Consumer Price Index, and your amount depends on marital status and previous year’s income.
GIS Payment Schedule for 2025
GIS is issued on the same dates as OAS. Below are the official 2025 payment dates:
| Month | GIS/OAS Payment Date (2025) |
|---|---|
| January | January 29, 2025 |
| February | February 26, 2025 |
| March | March 27, 2025 |
| April | April 28, 2025 |
| May | May 28, 2025 |
| June | June 26, 2025 |
| July | July 29, 2025 |
| August | August 27, 2025 |
| September | September 25, 2025 |
| October | October 29, 2025 |
| November | November 26, 2025 |
| December | December 22, 2025 |
Who Is Eligible In 2025?
To qualify for GIS in 2025, you must:
- Be 65 or older;
- Live in Canada;
- Receive OAS; and
- Have annual income below certain thresholds (combined for couples).
There are also rules for sponsored newcomers effective October 1, 2025 (not eligible while under sponsorship, with limited exceptions).
2025 Income Thresholds (Eligibility)
| Situation | Maximum Annual Income to Qualify |
|---|---|
| Single / widowed / divorced | $22,440 |
| With spouse/partner receiving full OAS | $29,616 (combined) |
| With spouse/partner not receiving OAS | $53,808 (combined) |
| With spouse/partner receiving the Allowance | $41,472 (combined) |
How Much Can You Receive?
GIS amounts vary by income and are reviewed quarterly. For October–December 2025, the maximum monthly payments are:
| Situation | Maximum Monthly GIS |
|---|---|
| Single / widowed / divorced | $1,105.43 |
| With spouse/partner receiving full OAS | $665.41 (each eligible) |
| With spouse/partner receiving Allowance | $665.41 (for the OAS recipient) |
| With spouse/partner not receiving OAS/Allowance | $1,105.43 |
How Payments Are Calculated & Paid
- Income basis: Generally your prior calendar year income determines your GIS for the upcoming period. If your current year income drops (for example due to retirement), you can ask for reassessment based on an estimated current income.
- Method: Payments come via direct deposit (recommended) or by cheque; it is wise to set up or update your banking to avoid delays.
Key Takeaways For 2025
- Mark your calendar with the 2025 dates (see table above).
- Check your eligibility using the thresholds table and your latest income.
- Know your quarter: Amounts can increase with inflation each January, April, July, and October.
The GIS remains a critical support for low-income Canadian seniors. In 2025, payments follow the official OAS schedule, while eligibility depends on clear income thresholds and receipt of OAS.
If your circumstances change—such as a sudden income drop—you may qualify for a higher top-up sooner.
Use the tables above to check your date, eligibility, and potential amount, and ensure you have your direct deposit set up for on-time payments.
FAQs
Does GIS come on the same day as OAS?
Yes. GIS is paid on the same dates as OAS according to the 2025 schedule above.
Will my GIS go down if inflation falls?
No. GIS is reviewed quarterly to reflect consumer price changes, and will not decrease when inflation falls.
I retired this year and my income is now lower. Can GIS use my current income?
Yes. If your current year income is lower than last year’s, you can request a reassessment based on estimated current income.