A much-needed financial lifeline is on the way for low-income seniors across Canada. The Government of Canada has officially confirmed that a $1,395.73 Guaranteed Income Supplement (GIS) payment will be issued to eligible seniors and surviving spouses on July 29, 2025.
This non-taxable monthly benefit, administered by the Canada Revenue Agency (CRA), is designed to support those living on limited or fixed incomes by helping cover essential expenses such as housing, groceries, medication, and transportation.
Understanding the GIS Program and July 2025 Payment
The Guaranteed Income Supplement (GIS) is a federal financial assistance program that complements the Old Age Security (OAS) pension. It provides monthly, inflation-indexed payments to low-income seniors, with additional provisions for surviving spouses and common-law partners of deceased OAS recipients.
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For July 2025, the GIS monthly payment has been set at $1,395.73, following routine adjustments based on the Consumer Price Index (CPI).
Quick Overview: GIS July 2025
| Feature | Details |
|---|---|
| Payment Amount | $1,395.73 |
| Payment Date | July 29, 2025 |
| Program | Guaranteed Income Supplement (GIS) |
| Administered By | Canada Revenue Agency (CRA) |
| Eligibility | Low-income OAS recipients & surviving spouses |
| Income Cap | $41,184 (combined annual household income) |
| Website | canada.ca |
Eligibility Criteria for the GIS July 2025 Payment
To qualify for the $1,395.73 GIS payment in July 2025, seniors must meet all of the following conditions:
- Be currently receiving Old Age Security (OAS)
- Be between 60 and 64 years of age
- Be a Canadian citizen or legal resident
- Have lived in Canada for at least 10 years after turning 18
- Be a spouse or common-law partner of a deceased OAS recipient
- Have a combined annual household income of less than $41,184
This targeted eligibility ensures that the GIS benefit supports seniors most in need, particularly those without private pensions or substantial retirement savings.
GIS Payment Schedule for 2025: Monthly Disbursement Dates
For those eligible, the GIS is paid monthly. Here is the official 2025 GIS payment calendar:
| Month | Payment Date |
|---|---|
| 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 |
Recipients using direct deposit will receive funds on these exact dates. Cheque recipients may experience delays of 3 to 5 business days.
How Much Will Eligible Seniors Receive in 2025?
The GIS monthly amount depends on your marital status, income level, and OAS eligibility. For July 2025, the confirmed GIS allowance is:
| Benefit Type | Monthly Amount | Eligibility |
|---|---|---|
| GIS Allowance | $1,395.73 | OAS recipients with income under $41,184 |
The CRA conducts quarterly reviews to adjust GIS amounts for inflation, ensuring payments reflect the current cost of living.
Why the Guaranteed Income Supplement Matters
For thousands of Canadian seniors, the GIS payment is a crucial source of income. With prices rising across essential categories—groceries, rent, utilities, medication—many retirees face daily financial strain.
This $1,395.73 monthly supplement plays a key role in:
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- Preventing senior poverty
- Improving overall quality of life
- Enabling access to basic necessities
- Providing dignity and independence in old age
It also underscores the government’s broader strategy to protect seniors, especially those without workplace pensions or personal retirement funds.
What Seniors Should Do Now to Ensure Payment
If you’re already receiving OAS and meet the GIS criteria:
- No reapplication is required — payments are automatically processed
- Verify your direct deposit and mailing information via the CRA My Account portal
- Monitor your account for the July 29, 2025 payment
If you’ve recently become eligible or had a change in income, you should:
- Apply for GIS through Service Canada
- Update your income and household details as soon as possible
Being proactive ensures your benefits are not delayed or interrupted.
FAQs: GIS July 2025 Payment
Q1. When is the GIS payment issued in July?
The CRA will issue the $1,395.73 payment on July 29, 2025, via direct deposit or cheque.
Q2. Who qualifies for the July 2025 GIS payment?
Seniors aged 60 to 64, receiving OAS, with a combined household income below $41,184.
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Q3. Is the GIS payment taxable?
No. GIS payments are non-taxable, meaning they are not included in your annual income.
Q4. Do I need to reapply for GIS each month?
No. Once you’re approved, payments continue automatically, unless your eligibility changes.
Q5. How do I track my payment status?
Use your CRA My Account or contact Service Canada for updates on your GIS payments.
