For many low-income seniors in Canada, the Guaranteed Income Supplement (GIS) Allowance is a lifeline. In 2025, eligible Canadians aged 60 to 64 could receive up to $1,395 per month in tax-free support.
This benefit helps individuals and households bridge the gap until they qualify for full Old Age Security (OAS) at age 65.
Below, we’ll explain what the GIS Allowance is, who qualifies, payment dates, and how to apply.
The GIS Allowance is a non-taxable monthly payment provided to low-income Canadians between ages 60 and 64. It is available to:
- Seniors whose spouse or common-law partner receives OAS and GIS.
- Surviving spouses aged 60–64 with limited income.
Unlike the Canada Pension Plan (CPP), which is based on contributions, the GIS Allowance depends mainly on household income.
With inflation, rising rent, and higher grocery bills, financial security is tougher for seniors. The $1,395 Allowance provides crucial stability.
Since it is non-taxable, you keep the entire amount, helping cover essentials like food, medical care, and utilities.
The payment depends on income level and marital status:
| Situation | Maximum Monthly Payment | Annual Income Limit |
|---|---|---|
| Spouse/partner receives OAS + GIS | Up to $654.23 each | Combined income under $40,800 |
| Survivor (age 60–64) | Up to $1,395 | Income under $29,112 |
These amounts are reviewed quarterly (January, April, July, October) to keep pace with inflation. Payments never decrease, even if the cost of living falls.
You may qualify if you meet these conditions:
- Age: 60 to 64 years old.
- Residency: Live in Canada and have been a resident for at least 10 years after age 18.
- Spouse or Partner: Your spouse/common-law partner receives OAS and GIS.
- Income Limits: Annual combined income under $40,800 (for couples) or under $29,112 (for survivors).
- Not Receiving OAS: You must not already receive OAS yourself.
See also $1450 OAS Boost in October – Are You Eligible?
Certain immigrants and sponsored individuals may also qualify under specific conditions, such as sponsor death or bankruptcy.
Payments are issued monthly alongside OAS and GIS. Direct deposit ensures faster access, 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
Most seniors are automatically considered when they apply for OAS, but you may need to apply manually.
- Online: Through My Service Canada Account (MSCA).
- Paper form: Complete “Allowance Application” (ISP-3025) or “Survivor Allowance” form.
- Provide Income Details: File your 2024 taxes by April 30, 2025, to avoid delays.
- Low-income changes: If your income falls during 2025, request Service Canada to reassess using your new estimate.
- File taxes on time and early.
- Keep taxable income low (e.g., delay RRSP withdrawals).
- Explore provincial supplements like Ontario’s GAINS.
- Always notify Service Canada if your income or marital status changes.
The $1,395 Canada GIS Allowance for September 2025 is a vital program for low-income Canadians aged 60–64. It ensures that seniors — whether partnered or surviving alone — can live with dignity and security.
By keeping up with tax filings, monitoring income levels, and applying on time, you can maximize your chances of receiving the Allowance without interruptions.
