If you’re a senior living in Canada, you might have heard about the $1,717 GIS payment increase expected in 2025. This news has sparked a lot of interest, especially among Old Age Security (OAS) pension recipients.
While the specific amount of this increase has not been confirmed by the government yet, this guide will explain everything you need to know about Guaranteed Income Supplement (GIS) payments, including eligibility, payment dates, and how to make the most of this important benefit.
What is the GIS Payment?
The Guaranteed Income Supplement (GIS) is a non-taxable monthly benefit provided to low-income seniors in Canada who are already receiving Old Age Security (OAS). It acts as an additional financial top-up to help cover essential living expenses such as food, housing, and transportation.
The GIS is adjusted quarterly to keep pace with inflation, using the Consumer Price Index (CPI). This adjustment ensures that seniors’ purchasing power remains stable as the cost of living rises.
Key Facts About the 2025 GIS Payment Increase
| Topic | Details |
|---|---|
| GIS Monthly Payment (2025) | Up to $1,086.88 for singles; $654.23 each for couples (as of Q1 2025) |
| Rumored $1,717 Monthly Increase | No official confirmation from the Government of Canada as of March 2025 |
| Eligibility | Must be 65+, receiving OAS, and have low annual income |
| Income Threshold | Under $22,056 annually for singles to receive full GIS |
| Next GIS Payment Date | March 27, 2025; subsequent dates: April 28, May 28, June 26 |
| Application | Automatic for most OAS recipients; others may need to apply via Service Canada |
| Adjustments | Updated quarterly based on the Consumer Price Index |
| Additional Benefits | GIS recipients may qualify for provincial programs like drug benefits, dental, and housing support |
Is the $1,717 GIS Payment Increase Real?
You may have come across headlines or social media posts suggesting that the GIS payment will rise to $1,717/month in 2025. However, as of March 2025, there has been no official confirmation from the Government of Canada regarding this claim.
Currently, the maximum GIS payment for a single senior in 2025 (January to March) is $1,086.88/month. Any updates or changes to this amount will be officially communicated through government channels, particularly via canada.ca.
Who is Eligible for GIS?
To qualify for the GIS in 2025, you must meet the following criteria:
- Be 65 years old or older
- Be currently receiving Old Age Security (OAS)
- Reside in Canada
- Have an annual income that falls below specific limits, which vary depending on your marital status.
Income Thresholds for GIS in 2025
| Marital Status | Income Limit |
|---|---|
| Single, widowed, or divorced | Income under $22,056 per year |
| Married (both spouses receive OAS) | Combined income under $29,112 |
| Married (only one spouse receives OAS) | Combined income under $53,456 |
Note: Income includes sources like CPP, private pensions, RRSP withdrawals, and employment income. However, OAS itself and certain federal benefits are not included in the income calculation.
How to Apply for the GIS Payment
For most seniors, the GIS is automatically enrolled when they start receiving OAS. However, if your income changes—such as after retirement or the loss of a spouse—you may need to apply separately.
Here’s how you can apply:
- Online through your My Service Canada Account.
- Download and mail Form ISP3025.
- Call Service Canada at 1-800-277-9914 for assistance.
Ensure that you file your tax returns every year. Since GIS is income-tested, your eligibility is assessed annually based on your net income from the previous year.
GIS Payment Dates in 2025
The GIS payments are made on the same schedule as OAS. The upcoming payment dates for 2025 are as follows:
- March 27, 2025
- April 28, 2025
- May 28, 2025
- June 26, 2025
For seniors who have opted for direct deposit, the funds will usually appear in their bank accounts on the specified dates. For those who receive mailed cheques, the payments may take a few extra days to arrive.
Real-Life Examples of GIS Payments
Example 1: Margaret (Single Senior with No Other Income)
Margaret, age 70, receives OAS and has no other source of income. As a result, she qualifies for the full GIS payment of $1,086.88/month.
Example 2: John and Linda (Couple, Both Receive OAS)
John and Linda both receive OAS and a small private pension totaling $28,000 annually. With their combined income, they qualify for a partial GIS.
Tips to Maximize GIS Benefits
Here are some practical steps to ensure that you’re receiving the maximum GIS benefits available:
- Contribute to a TFSA instead of an RRSP: Withdrawals from a TFSA are not counted as income for GIS.
- Split pension income with your spouse to reduce individual income levels.
- Delay CPP or OAS benefits if possible to lower your taxable income during early retirement.
- Report income changes quickly to Service Canada to avoid overpayments or missed payments.
What Happens If You Don’t Report Income Changes?
Failing to notify Service Canada about income or marital status changes can result in several issues, including:
- Overpayments that will need to be repaid.
- Suspension of GIS payments.
- Potential penalties or interest for the unpaid amounts.
Additional Support for GIS Recipients
In addition to the GIS, seniors who qualify may also be eligible for additional benefits provided by provincial programs, such as:
- Ontario Drug Benefit Program
- BC Seniors Supplement
- Quebec Shelter Allowance
- Dental and vision subsidies
- Discounted public transit and utility programs
In conclusion, while the $1,717 GIS payment increase is still unconfirmed, it’s important to stay informed about the GIS program and ensure you’re receiving all the benefits you’re entitled to.
By understanding eligibility criteria, payment dates, and ways to maximize benefits, you can better plan for your financial security in retirement.
FAQs
What is the Guaranteed Income Supplement (GIS)?
The GIS is a non-taxable monthly benefit provided to low-income seniors in Canada who are already receiving Old Age Security (OAS).
Who is eligible for the GIS?
To qualify for the GIS, you must be 65 or older, currently receiving OAS, and have an income below specific thresholds based on your marital status.
How do I apply for the GIS?
Most seniors are automatically enrolled for GIS when they start receiving OAS, but if your income changes, you may need to apply via Service Canada.
When will the GIS payments be made in 2025?
The GIS payments for 2025 will be made on March 27, April 28, May 28, and June 26.