Seniors Could Get $500–$1,200 Monthly: Many Canadian seniors could be eligible to receive $500 to $1,200 per month through the Guaranteed Income Supplement (GIS) — a valuable, often underutilized federal benefit designed to support older adults with low or modest incomes. If you’re 65 or older and already receiving the Old Age Security (OAS) pension, you may be entitled to this additional, non-taxable monthly payment.
Despite the rising cost of living and growing concern about retirement income security, thousands of seniors are unaware they qualify for extra support through GIS. This program can provide crucial assistance to help cover housing, food, medical, and transportation expenses.
In this article, we break down everything you need to know, from eligibility and payment amounts to how to apply and maximize your benefits. Whether you’re a retiree, caregiver, or financial advisor, this guide will help you navigate the GIS system confidently.
Seniors Could Get $500–$1,200 Monthly
| Topic | Details |
|---|---|
| Benefit Name | Guaranteed Income Supplement (GIS) |
| Monthly Payment Range | $500 – $1,200 (depending on income and marital status) |
| Eligibility | Must be 65+, receive OAS, and have low income |
| Payment Frequency | Monthly |
| Taxable? | No (non-taxable benefit) |
| How to Apply | Through My Service Canada Account or by mail |
| Official Source | Government of Canada – GIS |
The Guaranteed Income Supplement (GIS) is a crucial financial support for Canadian seniors, offering monthly non-taxable payments of $500 to $1,200 based on your financial situation. These funds can help pay for essential living costs, offering dignity and independence during retirement.
If you’re already receiving OAS and meet the income criteria, you might be missing out on money that can improve your retirement years. Too many eligible seniors delay applying or assume they don’t qualify.
Understanding the Guaranteed Income Supplement (GIS)
The Guaranteed Income Supplement is a monthly payment designed to help low-income seniors who already receive the Old Age Security (OAS) pension. Introduced by the Government of Canada, the GIS aims to reduce poverty among retirees and ensure every senior can enjoy a basic standard of living. This program is especially important for individuals who do not have private pensions or significant savings.
Who is Eligible?
To qualify for GIS, you must meet the following criteria:
- Be 65 years or older
- Live in Canada
- Receive Old Age Security (OAS)
- Have an annual income below a certain threshold
These income thresholds are updated regularly. As of 2025:
- Single, widowed, or divorced: annual income must be less than $22,056
- Married/common-law partner (both receive OAS): combined income less than $29,136
- Married/common-law partner (one receives OAS): combined income less than $52,848
Tip: Your income includes pension income, registered retirement savings, employment, and investments. It does not include OAS and GIS payments.
Even if you think your income is too high, it’s worth checking. Many seniors assume they won’t qualify and miss out on benefits they could be receiving.
How Much Can You Receive?
The GIS payment amount depends on your income and marital status. For the April to June 2025 quarter, the maximum monthly GIS amounts are:
- Single seniors: Up to $1,086.88
- Married/common-law partners (both receive OAS): Up to $654.23 each
- Married/common-law partners (one receives OAS): Up to $1,086.88
GIS payments are adjusted quarterly based on the Consumer Price Index, ensuring the benefit keeps up with inflation. This adjustment helps protect seniors from rising prices on essentials like groceries, heating, and healthcare.
Real-Life Example
Let’s say Linda, age 70, is a single retiree living in British Columbia. Her only income is $15,000 annually from her CPP and a small workplace pension. Because she earns below the $22,056 threshold, she qualifies for OAS and an additional $1,000/month from GIS, significantly improving her quality of life.
Now consider George and Marie, a retired couple living in Quebec. They both receive OAS and have a combined income of $25,000 per year. Since they are under the $29,136 limit, they each qualify for a monthly GIS payment of around $600, which helps cover property taxes and utilities.
Seniors Could Get $500–$1,200 Monthly Apply for GIS
Applying for the GIS is simple but essential. Some seniors are automatically enrolled when they turn 65, but many must apply themselves. If you haven’t received a confirmation letter from Service Canada, it’s wise to take proactive steps.
Option 1: Online via My Service Canada Account
- Go to the OAS Application Page
- Log in using your GCKey or partner sign-in
- Complete the application form with your income details
Option 2: By Mail
- Download and fill out the ISP3025 Application for the Guaranteed Income Supplement
- Mail it to Service Canada at the address listed on the form
Important: Apply early, ideally 6 months before turning 65, to avoid delays in payments.
After you apply, you will receive a letter stating whether you qualify and how much you’ll receive. If your application is denied, you have the right to request a reconsideration.
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Additional Benefits for Seniors
In addition to GIS, eligible seniors may receive:
- OAS Pension: Up to $713.34/month (or $784.67/month for those 75+)
- Allowance: For low-income spouses aged 60 to 64
- Allowance for the Survivor: For widowed low-income individuals aged 60 to 64
- Canada Pension Plan (CPP): Additional retirement income based on contributions
- Provincial/Territorial Programs: Extra financial support depending on where you live
- One-Time Top-Ups: For example, in March 2025, eligible seniors received a $650 top-up to help with inflation-related costs (source)
You may also qualify for subsidized dental care, reduced-cost prescriptions, and property tax rebates depending on your province.
FAQs On Seniors Could Get $500–$1,200 Monthly
Do I need to apply for GIS every year?
No. Once approved, your GIS will be reviewed annually based on your income tax return. However, if your income changes significantly mid-year, contact Service Canada immediately. They may reassess your benefits to reflect your updated circumstances.
Can I work and still receive GIS?
Yes, but your employment income will affect your GIS payment. The first $5,000 in employment income is fully exempt. An additional 50% of the next $10,000 is also exempt. This means you can earn up to $10,000 and still receive a partial benefit.
Is GIS taxable?
No. GIS is a non-taxable benefit, meaning it will not affect your tax return or increase your income taxes.
What if I missed applying? Can I get back payments?
Yes, retroactive payments can be made for up to 11 months from the date of application. This can be especially helpful if you were unaware of your eligibility for an extended period.
What happens if my spouse dies?
You may become eligible for the Allowance for the Survivor, a monthly benefit for low-income widows and widowers aged 60 to 64. It’s designed to bridge the income gap until you qualify for OAS and GIS at 65.
