Every year, thousands of eligible Canadian seniors miss out on the Guaranteed Income Supplement (GIS)—a vital financial lifeline for those living on a modest income. Whether due to lack of information or missteps in the application process, these missed benefits can have real consequences. Here's how to ensure you or your loved ones receive the full amount you're entitled to.
What is the GIS?
The Guaranteed Income Supplement is a non-taxable monthly payment provided to low-income seniors who are already receiving the Old Age Security (OAS) pension. It aims to help older Canadians cover essential costs such as rent, medication, food, and utilities.
In 2025, the maximum monthly GIS benefit for a single senior can reach over $1,000, depending on annual income. Couples may also be eligible, but payments are calculated differently based on combined income.
Are You Eligible?
To receive GIS, you must:
- Be 65 years or older
- Receive the Old Age Security pension
- Have an annual income below the government threshold (currently around $21,624 for singles in 2025)
- Live in Canada
Common Mistakes That Lead to Missed Benefits
Many seniors assume that applying for OAS automatically includes GIS. This is not always the case. If your income is low, you often need to request GIS separately, especially if your OAS was approved years ago or before you became eligible.
Another common issue is not filing your taxes. GIS eligibility is assessed based on your tax return, so if you miss a filing—even if your income is zero—you may lose the supplement for the year.
How to Apply or Reconfirm Your GIS
You can apply for GIS:
- Online via your My Service Canada Account
- By mail, using the paper application form (ISP-3025)
- In person at a Service Canada Centre
For many recipients, GIS renews automatically each year after you file taxes. However, if your income changes or you didn't receive a renewal notice, reapply promptly.
Special Cases: Widows, Immigrants, and New Pensioners
Widowed seniors may qualify for additional allowances. Immigrants who have lived in Canada for less than 10 years may receive a partial OAS and GIS, depending on residency and treaty agreements. It’s critical to check your specific situation with Service Canada or a qualified advisor.
"I didn’t know I had to apply again after moving provinces,”
Tips to Ensure You Get the Full Amount
- Always file your taxes on time, even with zero income.
- Report major life changes (spouse’s death, moving, changes in income).
- Use the official GIS estimator to calculate your entitlement.
- Contact Service Canada if you're unsure about your status or need to update your records.
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The Bottom Line
For low-income seniors in Canada, the Guaranteed Income Supplement is more than a benefit—it's a safeguard against poverty. Ensuring proper application, timely tax filing, and staying informed can make the difference between hardship and stability.
Whether you’re applying for the first time or helping a loved one, knowing the process and being proactive is key to securing every dollar you deserve.