For Canadian seniors struggling with rising costs, the Guaranteed Income Supplement (GIS) Allowance offers vital financial relief. In September 2025, this non-taxable monthly payment can reach up to $1,395 for low-income seniors aged 60–64 whose spouse or partner receives Old Age Security (OAS) and GIS.
Managed by Service Canada, this benefit helps cover essentials like rent, groceries, and medical bills. Here’s your complete guide to the 2025 GIS Allowance, including eligibility, payment dates, and tips to maximize your benefits.
What Is the GIS Allowance?
The GIS Allowance is a monthly, tax-free payment designed to support low-income seniors in Canada. Unlike the Canada Pension Plan (CPP), which depends on your work history, the GIS Allowance is based solely on your income. It’s a lifeline for:
- Seniors aged 60–64 with a spouse or partner receiving OAS and GIS.
- Surviving spouses or common-law partners under 65.
This benefit ensures seniors can maintain dignity and financial stability despite tight budgets.
Why the GIS Allowance Matters
With costs for rent, utilities, food, and healthcare climbing, many seniors struggle to make ends meet. The GIS Allowance provides critical support, helping cover daily expenses and reducing financial stress. Adjusted quarterly for inflation, the payment ensures your purchasing power stays strong.
In September 2025, the maximum payment can reach $1,395 for survivors or $654.23 per person for couples, depending on income and marital status.
GIS Allowance Amounts for 2025
Your payment depends on your income and situation. Here’s a breakdown:
| Situation | Maximum Monthly Amount | Income Limit (Annual) |
|---|---|---|
| Spouse/Partner receives OAS + GIS | $654.23 (per person) | Combined income under $40,800 |
| Survivor (widow/widower, 60–64) | $1,395 | Income under $29,112 |
Payments are adjusted in January, April, July, and October to reflect inflation. If living costs drop, your benefit won’t decrease.
Who Qualifies for the GIS Allowance?
To receive the GIS Allowance in 2025, you must meet these criteria:
Basic Requirements
- Be aged 60–64.
- Live in Canada and have resided here for at least 10 years after age 18.
- Have a spouse or common-law partner receiving OAS and GIS.
- Have a combined annual income below $40,800 (or $29,112 for survivors).
- Not be receiving OAS yourself.
Immigrant Seniors
Immigrants may qualify if:
- They are not sponsored, or their sponsor has passed away, gone bankrupt, or can no longer provide support.
GIS Allowance Payment Dates for 2025
Payments align with OAS and GIS schedules, arriving monthly via direct deposit or cheque. Direct deposits are instant, while cheques may take up to 10 business days.
2025 Payment Dates:
- January 29
- February 26
- March 26
- April 29
- May 28
- June 25
- July 29
- August 27
- September 24
- October 29
- November 26
- December 22
The September 2025 payment is scheduled for September 24.
How to Apply for the GIS Allowance
Most eligible seniors are automatically enrolled when they apply for OAS, but it’s worth double-checking.
Automatic Enrollment
- Service Canada reviews your income tax return to assess eligibility.
- At age 64, you’ll receive a letter confirming your status.
If You Don’t Get a Letter
- Online: Log into your My Service Canada Account (MSCA) and apply.
- Paper Form: Complete the ISP-3025 (Application for the Allowance) form, available on Canada.ca.
- By Mail: Request the form from Service Canada.
Important: File your 2024 taxes by April 30, 2025, to avoid delays in eligibility checks.
Tips to Maximize Your GIS Allowance
- File Taxes Early: Your income tax return determines your eligibility and payment amount.
- Lower Taxable Income: Delay RRSP withdrawals or convert to RRIFs to stay below income limits.
- Check Provincial Benefits: Explore additional supports like Ontario GAINS, B.C. Seniors Supplement, or Alberta Seniors Benefit.
- Update Details: Ensure your bank and contact info are current in your MSCA to avoid payment issues.
FAQs About the Canada GIS Allowance 2025
1. How much is the GIS Allowance in September 2025?
Up to $1,395/month for survivors or $654.23/month per person for couples with a spouse/partner on OAS and GIS.
2. When is the September 2025 GIS payment date?
The payment is scheduled for September 24, 2025.
3. Is the GIS Allowance taxable?
No, it’s completely tax-free, so you keep the full amount.
4. Can immigrants qualify for the GIS Allowance?
Yes, if they meet residency and income requirements, and their sponsor (if any) can no longer support them.
5. Can I get the GIS Allowance if I receive OAS?
No, this benefit is for those not yet receiving OAS but whose spouse/partner does.
6. What happens if I miss the tax filing deadline?
Late tax filing by April 30, 2025, may delay or pause your GIS payments.
Final Thoughts
The $1,395 Canada GIS Allowance in 2025 is a crucial support for low-income seniors aged 60–64. Whether you’re a surviving spouse or part of a couple, this tax-free benefit helps cover essentials and maintain financial stability. File your taxes on time, check your eligibility through My Service Canada, and explore additional provincial supports to make the most of this program. Stay informed and secure the relief you deserve!