Canada’s Guaranteed Income Supplement (GIS) is entering 2025 with a fresh round of updates aimed at enhancing the financial security of low-income seniors. Here’s what you need to know about the new benefit rates, revised eligibility criteria, and how the changes may affect you or your loved ones.
The GIS is a monthly payment provided to low-income seniors who receive the Old Age Security (OAS) pension. It’s a cornerstone of Canada’s support system for retirees, especially those with little to no other income.
While GIS is a federal benefit, provincial and territorial governments often complement it with their own income-tested support programs. British Columbia and Quebec have already announced aligned increases to their provincial senior supplements, expected to roll out in early fall 2025.
In an effort to modernize service delivery, Service Canada is expanding online accessibility. Seniors will now be able to view their GIS status and upcoming payments through a redesigned portal optimized for mobile devices. Additionally, paper applications will remain available upon request for those less comfortable with digital tools.
GIS benefits are non-taxable and do not affect your eligibility for other federal support such as the Canada Housing Benefit or provincial drug programs.
The GIS earnings exemption, which allows low-income seniors to earn some income without reducing their GIS benefits, remains at $5,000 annually. Any income between $5,000 and $15,000 is partially exempt, providing an incentive for older Canadians to remain in or return to the workforce if they choose to do so.
These updates are especially beneficial for:
Canadians can use the government’s GIS eligibility calculator online to estimate their potential benefits. Keep in mind that GIS is income-tested and recalculated annually based on your previous year’s tax return.
With Canada's senior population expected to surpass 9.5 million by 2030, the GIS remains a critical pillar of the country’s pension framework. The 2025 changes reflect ongoing efforts to keep pace with demographic shifts and ensure equitable support for aging Canadians.
As always, Canadians are encouraged to review their entitlements annually and reach out to Service Canada or trusted advisors to ensure they are receiving the full benefits they are entitled to.
The updated GIS program for 2025 represents a step toward more inclusive and adaptive social policy for Canadian seniors. Whether through higher payments, easier access, or increased digital services, the federal government aims to deliver greater stability for one of the nation’s most vulnerable demographics.
