In an important move to support elderly Canadians struggling with inflation and rising expenses, the Government of Canada has approved a $1,395 annual increase to the Guaranteed Income Supplement (GIS) beginning July 2025. This new boost is designed to provide low-income seniors with added financial relief, especially those who depend heavily on Old Age Security (OAS) as their main source of income.
Here’s a detailed breakdown of the GIS increase, including who qualifies, how much they’ll receive, when payments will begin, and how seniors can ensure they don’t miss out.
What Is the Guaranteed Income Supplement (GIS)?
The Guaranteed Income Supplement is a non-taxable monthly benefit provided by the federal government to low-income seniors who are already receiving Old Age Security (OAS). It serves as a top-up for retirees who have little or no other income.
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GIS plays a vital role in protecting vulnerable Canadians aged 65 and above, helping them meet essential needs like food, housing, and healthcare.
With this newly announced enhancement, eligible GIS recipients will see an additional $116.25 per month, equaling an annual increase of $1,395—a meaningful step in reinforcing income security for older adults.
Who Is Eligible for the GIS Increase in 2025?
To receive the new GIS payment boost in July 2025, seniors must meet existing eligibility requirements. These are based on age, OAS status, and annual income level.
Key Eligibility Requirements:
- Must be 65 years of age or older
- Must already be receiving Old Age Security (OAS)
- Annual income must fall below CRA-defined thresholds
Below are the updated income limits for 2025:
| Category | Maximum Income Limit (2025) |
|---|---|
| Single senior | Less than $21,648 |
| Couples (both receive OAS) | Combined income under $28,560 |
| Couples (only one receives OAS) | Combined income under $51,408 |
If your net income falls within these limits and you are already receiving OAS, you are likely to automatically qualify for the GIS increase starting in July 2025.
When Will the GIS Increase Take Effect?
The $1,395 annual GIS enhancement will be automatically applied beginning in July 2025 for all current GIS recipients. If you already qualify and your records with Service Canada are up to date, no additional application is required.
For newly eligible seniors, applications can be submitted:
- Online via Service Canada
- By mail
- In person at a Service Canada office
It’s essential that your most recent income tax return has been filed, as GIS eligibility is reviewed annually using your declared net income.
How Will This Benefit Impact Seniors?
The monthly increase of $116.25 will offer significant support to low-income seniors managing fixed incomes. With the cost of essentials like rent, groceries, and healthcare continuing to climb, this supplement can help cover critical expenses that many seniors struggle to afford.
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This adjustment aligns with the federal government’s ongoing efforts to combat elder poverty, enhance the financial stability of retirees, and respond to inflationary pressures affecting fixed-income households.
GIS July 2025 Payment Boost at a Glance
| Benefit Detail | Amount |
|---|---|
| Annual Increase | $1,395 |
| Monthly Top-Up | $116.25 |
| Start Date | July 2025 |
| Eligibility Age | 65 and older |
| Application Requirement | Auto-applied for current recipients; application needed for new recipients |
How to Ensure You Receive the Full GIS Increase
To avoid delays or missed payments, seniors should take the following steps:
- File your income taxes on time – GIS is income-tested, so timely filing is essential.
- Update your personal details – Ensure Service Canada has your correct address, marital status, and income records.
- Check your OAS status – You must be receiving OAS to qualify for GIS.
- Track your benefit – Use your My Service Canada Account to verify payment amounts and eligibility status.
Frequently Asked Questions (FAQs)
Q1. Will I need to apply to receive the GIS increase in July 2025?
No. If you are currently receiving GIS and your income information is up to date, the increase will be automatically applied starting July 2025. New applicants will need to apply through Service Canada.
Q2. How will I know if I qualify for the GIS boost?
If you are 65 or older, receive Old Age Security (OAS), and your income is below the 2025 income thresholds, you will likely qualify.
Q3. What if my income changes during the year?
GIS payments are reassessed annually using your income tax return. If your income changes significantly, it may impact your eligibility or payment amount in the following year.
Q4. Can I still apply if I’m not currently receiving GIS?
Yes. Seniors who meet the eligibility criteria but have not applied can submit a new application via Service Canada.
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