In a landmark move designed to protect low-income seniors amid rising inflation and economic uncertainty, the Canadian government has updated the Guaranteed Income Supplement (GIS) payment rates for 2025. The program, which serves as a vital financial safety net for hundreds of thousands of seniors, now includes expanded eligibility and significant increases across all categories.
The GIS is a non-taxable monthly payment issued to Old Age Security (OAS) pension recipients who have little or no other income. It's intended to ensure that older Canadians can meet basic living expenses without falling into poverty. With costs of living steadily rising—especially in major urban areas—the 2025 update is seen as essential for maintaining seniors’ dignity and well-being.
GIS Monthly Payment Rates for 2025
Max for single seniors
Per spouse in a senior couple (both receive OAS)
Spouse receives Allowance or doesn’t receive OAS
These rates are calculated based on income thresholds and indexed quarterly to the Consumer Price Index (CPI), ensuring payments reflect real-world economic changes. The next update is expected in October 2025, based on the July–September CPI average.
"Every dollar matters. The GIS allows me to afford groceries and heat — things I didn’t think twice about 10 years ago."
Eligibility Requirements
To qualify for GIS in 2025, seniors must meet specific criteria. Applicants must:
- Be 65 years of age or older
- Be a legal resident of Canada
- Receive the Old Age Security (OAS) pension
- Have income below government-defined thresholds
For single seniors, the income threshold remains at $21,624. For couples, the combined income threshold is $28,560 (where both receive OAS). These thresholds include income from CPP, private pensions, and investment earnings, but not the OAS itself.
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New Federal Supports in 2025
In addition to GIS increases, the government has announced several complementary initiatives:
Automatic Enrollment Expansion
Seniors will no longer need to apply for GIS if already receiving OAS and filing taxes regularly.
Digital Help Hubs
New local hubs will help seniors with digital access and GIS renewals.
Tax Filing Assistance
CRA will fund local volunteer tax programs in low-income areas to ensure GIS eligibility continues.
What Seniors Need to Do
Seniors are encouraged to file taxes every year, even with no income, to ensure automatic GIS recalculations. It is also essential to report all global income and review Service Canada mail regularly for re-evaluation notices.
For newcomers or individuals with complex financial backgrounds, speaking with a Service Canada representative or visiting a local community support centre is strongly advised.
"Many of our clients don’t realize they’re missing out on benefits. A quick phone call or form can change their entire quality of life."
The Bigger Picture
With Canada’s senior population expected to grow by 23% by 2035, the sustainability of GIS and other senior-focused programs remains a top concern. Experts urge proactive reform, not just for payment amounts, but for ease of access and clarity.
At the intersection of financial policy, demographic shifts, and social equity, the GIS serves as a barometer for how Canada values its aging population. In 2025, the message is clear: no senior should be left behind.