Guaranteed Income Supplement
GIS
The Guaranteed Income Supplement (GIS) is a federal, non-taxable monthly benefit for low-income seniors aged 65 and older who receive the Old Age Security (OAS) pension. Current maximums are $1,138.90 a month for a single, widowed or divorced pensioner, and $685.56 for a pensioner whose spouse or partner receives OAS or the Allowance.
Useful Tips for Applying
GIS is non-taxable. Service Canada usually enrols you automatically if it has your information and writes to tell you; if a month has passed since your 64th birthday with no letter, you may need to apply. File your taxes every year or your GIS can stop or be reduced, and if your income has dropped you can report it directly to have GIS calculated on your current income. The next payment date is November 26, 2026. You can update income and banking in My Service Account.
Who May Qualify
• You are 65 years of age or older • You are a resident of Canada • You are receiving the Old Age Security (OAS) pension • Your annual income (excluding OAS) is below the established threshold for your marital status
Required Documents
• Social Insurance Number (SIN) • Information regarding your marital status • Income information from your previous year's tax return (or an estimate of current year income if you have experienced a significant drop in income)
How to Apply
1. Apply for the Old Age Security (OAS) pension; you will be automatically assessed for GIS eligibility upon approval. 2. If you do not receive an enrollment letter from Service Canada after turning 64, you may apply online through your 'My Service Canada Account' or by submitting the paper form ISP-3025 (Statement of Income for the Guaranteed Income Supplement). 3. File your income tax return by April 30 every year to ensure your GIS is automatically renewed and accurately calculated. 4. If your income drops significantly due to retirement or other life changes, contact Service Canada to request a recalculation based on an estimate of your current year's income.
Common Mistakes to Avoid
• Not filing taxes each year — GIS renewal requires an annual tax filing • Not knowing you qualify — many low-income seniors are unaware they're eligible • Not applying early — GIS can only be backdated up to 11 months • Assuming your income is too high — the threshold is higher than many think
Preparing an application?
The Application Helper walks you through each question on this benefit's form in plain language.
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