The Guaranteed Income Supplement (GIS) Allowance is a key federal benefit designed to support low-income seniors and their spouses or common-law partners. For 2025, eligible recipients can receive up to $1,395 per month, helping offset the rising cost of living.
This guide explains who qualifies, how the payment works, and when the deposits will arrive in 2025, so you can plan your finances and ensure you don’t miss out.
$533 CRA Relief Payment in September 2025: Eligibility & Payment Dates
What is the GIS Allowance?
The GIS Allowance is part of Canada’s Old Age Security (OAS) program, specifically aimed at helping:
- Low-income seniors between ages 60 and 64 whose spouse or common-law partner receives OAS and GIS.
- Individuals who are widowed or have a spouse/partner receiving OAS benefits.
This allowance is tax-free and is paid monthly to eligible recipients, offering vital income support before they reach age 65 and qualify for full OAS and GIS.
Payment Amounts in 2025
For the 2025 benefit year, the maximum monthly GIS Allowance is set at $1,395. The exact amount you receive depends on your family income and marital status:
- Allowance (for spouses/partners): Up to $1,395 per month if you are 60–64 and your partner is receiving both OAS and GIS.
- Allowance for the Survivor: Up to $1,600 per month if you are 60–64 and have lost your spouse or partner.
These figures are adjusted quarterly based on the Consumer Price Index (CPI) to keep pace with inflation.
Eligibility Requirements
To qualify for the GIS Allowance in 2025, you must meet all of the following criteria:
1. Age and Residency
- You must be between 60 and 64 years old.
- You must be a Canadian citizen or legal resident.
- You must have lived in Canada for at least 10 years after turning 18.
2. Marital Status and Partner’s Status
- Your spouse or common-law partner must be receiving OAS and GIS; OR
- You are a widow or widower between 60 and 64 (for the Allowance for the Survivor).
3. Income Thresholds
- Your combined annual income must be below the CRA’s set limit, which is updated annually.
- For 2025, the approximate income limits are expected to be:
- Couples: Around $39,000 combined annual income or less.
- Survivor Allowance: Around $28,000 annual income or less.
Your exact entitlement is calculated using your previous year’s income (2024 income for 2025 payments).
Payment Dates for 2025
The Canada Revenue Agency (CRA) deposits GIS Allowance payments on the same schedule as OAS and GIS. In 2025, payments are expected on the following dates:
- January 29, 2025
- February 26, 2025
- March 27, 2025
- April 29, 2025
- May 29, 2025
- June 26, 2025
- July 29, 2025
- August 28, 2025
- September 25, 2025
- October 29, 2025
- November 26, 2025
- December 22, 2025
Payments are automatic once you are approved, and will be deposited directly into your bank account if you are enrolled for direct deposit.
How to Apply
If you meet the eligibility criteria, you must apply for the GIS Allowance—it is not automatic.
Steps to Apply:
- Gather Required Documents: Proof of age, residency, and income (your 2024 tax return).
- Apply Online: Through your My Service Canada Account for faster processing.
- Apply by Mail: Download and complete the application form from the Government of Canada website and send it to the nearest Service Canada office.
It is recommended to apply at least six months before you turn 60 to avoid delays in receiving payments.
Keeping Your Benefit Active
To continue receiving the GIS Allowance each year:
- File your tax return annually by April 30 so that Service Canada can automatically reassess your income and eligibility.
- Notify Service Canada of any changes in marital status or income as soon as they occur.
Failure to file taxes or update personal information can result in payment interruptions.
Tax and Other Benefits
- The GIS Allowance is not taxable, and you do not need to report it as income on your tax return.
- Receiving the GIS Allowance does not reduce eligibility for other federal or provincial benefits such as the Canada Child Benefit or provincial low-income credits.
What to Do If a Payment Is Missed
If you do not receive your scheduled payment:
- Wait at least 10 business days after the expected deposit date.
- Check your My Service Canada Account for updates or notices.
- Contact Service Canada to report the missing payment or request a reissue.
Key Takeaways
- The 2025 GIS Allowance provides up to $1,395 per month for low-income Canadians aged 60–64 whose spouse or partner receives OAS and GIS, or for widowed individuals.
- Payments follow the monthly OAS/GIS schedule, with deposits made automatically once approved.
- Timely tax filing and direct deposit enrollment ensure your payments are accurate and arrive on time.
This allowance is an essential lifeline for Canadians approaching retirement, providing critical income support before they qualify for full Old Age Security benefits at age 65.