GIS (Guaranteed Income Supplement)

What Is the Guaranteed Income Supplement (GIS)?

The Guaranteed Income Supplement (GIS) is a tax-free monthly payment available to low-income seniors in Canada who receive Old Age Security (OAS). GIS provides additional financial support to help cover basic living expenses.

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It’s meant for retirees with little or no other income beyond their OAS pension.

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Who Is Eligible?

To qualify for GIS, you must:

• Be receiving OAS
  
  
• Live in Canada
  
  
• Have an annual income below a certain threshold
  
  

Eligibility is reviewed annually based on your income (or combined income if you have a spouse or common-law partner).

As of 2025, income thresholds vary:

• Single seniors: Up to approx. $21,000/year
  
  
• Couples (both receiving OAS): Combined income up to approx. $28,000/year
  
  

These figures change annually and depend on inflation adjustments.

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How Much Can You Receive?

GIS amounts depend on:

• Your income level
  
  
• Marital status
  
  
• Whether your spouse or partner receives OAS or GIS
  
  

As of 2025, the maximum monthly GIS payment for a single senior is about $1,065, in addition to the OAS amount.

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Is GIS Taxable?

No — GIS is not taxed, making it a valuable source of support for seniors on a limited income.

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How to Apply

• You may be automatically enrolled if you’re already receiving OAS and have filed your taxes
  
  
• If not automatically enrolled, you can apply by completing a paper application through Service Canada
  
  

To continue receiving GIS, you must file your income tax return every year, even if you have no income.

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Key Takeaways

• GIS is a tax-free benefit that supplements OAS for low-income seniors
  
  
• You must be receiving OAS to qualify
  
  
• Benefit amounts are based on income and marital status
  
  
• Filing taxes annually is required to maintain eligibility

Common Questions

Q: Can I get GIS if I live outside Canada?
A: No. GIS is only available to seniors living in Canada.

Q: Do RRSP withdrawals count as income for GIS?
A: Yes. RRSP and RRIF withdrawals, CPP, and other income sources can affect your GIS eligibility.

Q: What happens if I forget to file taxes?
A: Your GIS payments may stop until your tax return is filed and your eligibility is reassessed.