Canada Expands GIS for Pre-Retirement Seniors – Check Eligibility and Payment Dates

Canadian seniors have long relied on government income programs as a financial lifeline, but September 2025 is bringing an important change that directly affects thousands of households. The Guaranteed Income Supplement (GIS)—a benefit targeted toward lower-income seniors—will see an increase for those aged 60 to 64 years old, raising payments to as much as $1,395 per month.

At a time when food prices, rent, and healthcare costs are putting enormous strain on budgets, this update is not just another government adjustment—it’s a critical step in supporting seniors who are not yet 65 but already facing income insecurity.

This report breaks down the details of the new GIS allowance, eligibility rules, application process, payment schedule, and the broader significance of this change

What Is the Guaranteed Income Supplement (GIS)?

The GIS is part of Canada’s larger Old Age Security (OAS) program, which provides monthly financial assistance to seniors. While OAS is available to most Canadians over the age of 65, GIS is specifically designed to top up the income of those who have little to no other financial support.

• Non-taxable benefit: GIS payments are not subject to income tax, meaning seniors keep every dollar they receive.
• Income-tested: The amount depends on an individual’s or household’s income, marital status, and residency history.
• Key role: GIS has helped reduce poverty among older Canadians, offering a crucial safety net for those who would otherwise struggle to meet basic needs.

Why the September 2025 Update Matters

For the first time, the Canadian government is expanding meaningful GIS support to seniors aged 60–64. Traditionally, full GIS support kicked in only at age 65, when OAS eligibility begins. But many Canadians in their early 60s already face reduced incomes, particularly if they are unemployed, widowed, or in poor health.

The September 2025 increase acknowledges this “transition gap” and ensures seniors in this age bracket are not left vulnerable.

GIS Allowance for 60–64 Year Olds in September 2025

Starting in September, eligible seniors aged 60–64 will receive boosted payments under the GIS program. Depending on marital status and income level, the allowance can reach up to $1,395 monthly.

Estimated Payment Breakdown:

Marital Status	Monthly GIS Range	Maximum Allowance
Single Senior	$1,095 – $1,395	$1,395
Couple (both seniors eligible)	$1,250 – $1,375	$1,375 each (combined eligibility factors apply)
Single with additional allowance	Fixed $1,395	$1,395

These figures vary based on income, marital status, and living arrangements. Seniors with disabilities or extremely low income may qualify for higher adjustments.

Who Is Eligible for the \$1,395 GIS Allowance?

To qualify for the new GIS payments in September 2025, applicants must meet the following criteria:

1. Age Requirement: Must be between 60 and 64 years old at the time of payment.
2. Residency: Must have lived in Canada for at least 10 years after the age of 18.
3. Income Threshold: GIS targets low-income seniors. Annual income (excluding OAS) must fall below government-set thresholds. Income from work, private pensions, or rentals is factored in.
4. Marital Status Impact: Single seniors typically qualify for higher amounts than couples, since combined household income affects calculations.
5. Citizenship or Residency Status: Must be a Canadian citizen or permanent resident. Refugees and protected persons may also qualify under certain conditions.
6. No Significant Alternative Income: Seniors with substantial pensions, investments, or other earnings will either be ineligible or receive reduced GIS.

How to Apply for the GIS Allowance

Unlike OAS, which often involves automatic enrollment, GIS requires an application process for those under 65.

• Online via MSCA (My Service Canada Account): The fastest method, allowing seniors to submit details electronically.
• Required Documents:
• Proof of identity (passport, birth certificate).
• Financial details, including income statements and government benefit records.
• Marital or living arrangement verification (for couples).
• Automatic Enrollment: Seniors already receiving OAS after 65 are typically auto-enrolled in GIS. For 60–64 year olds, filing a separate application is often necessary.

When Will the Payments Be Made?

The GIS allowance is paid on the same schedule as OAS:

• Frequency: Monthly.
• Date: Third Wednesday of each month.
• September 2025 Payment: Eligible seniors will receive their updated allowance on Wednesday, September 17, 2025.

Payments are typically made via direct deposit into bank accounts. Those without direct deposit will receive paper cheques, though this can take 5–10 business days longer.

How Much Will This Really Help Seniors?

The boost to $1,395 per month may not sound dramatic compared to the rising costs of housing or healthcare, but for low-income seniors, it represents a vital cushion.

• Improved financial security: Many seniors live below the poverty line. This allowance ensures access to essentials like food and shelter.
• Bridging the retirement gap: For individuals under 65 not yet eligible for full OAS, this allowance helps cover the income gap during early retirement years.
• Offsetting inflation: With consumer prices rising steadily, indexing GIS helps prevent older Canadians from falling further behind.

Comparing GIS With Other Senior Benefits

The GIS forms part of Canada’s three-pillar retirement system:

1. CPP (Canada Pension Plan): Contributory, earnings-based, available from age 60. Maximum \$1,433/month in 2025.
2. OAS (Old Age Security): Universal, available from age 65, with maximums ranging from \$734 (age 65–74) to \$808 (age 75+).
3. GIS (Guaranteed Income Supplement): Needs-tested, supporting low-income seniors, now extended to 60–64 year olds.

By combining these programs, many seniors can access over \$2,500 per month, depending on their circumstances.

Broader Economic Context

The September 2025 GIS increase is part of a wider federal effort to address:

• Rising inequality: Seniors on fixed incomes have been hit hardest by inflation.
• Healthcare pressures: Supporting seniors financially may reduce reliance on healthcare and social services.
• Labour transitions: Many 60–64 year olds are semi-retired, unable to work full-time, yet not fully covered by pensions.

By expanding GIS coverage, the government aims to stabilize this age group during a vulnerable financial stage.

Key Things Seniors Should Do Now

1. File your taxes: GIS eligibility is tied to your most recent tax return.
2. Check your MSCA account: Ensure your personal and banking details are up to date.
3. Apply early: If you turn 60 in 2025, file your GIS application as soon as possible.
4. Review other benefits: Programs like GST/HST credits or provincial supplements may further boost income.
5. Avoid scams: The government will never ask for fees or personal information by phone or email for GIS payments.

5 FAQs

Q1. Who qualifies for the $1,395 GIS allowance in September 2025?
Seniors aged 60–64 with low income, Canadian residency, and little to no other income sources are eligible.

Q2. When will the increased GIS payments start?
The updated allowance begins on September 17, 2025, paid monthly with OAS.

Q3. Is GIS taxable income?
No. GIS payments are non-taxable, meaning seniors keep the full amount.

Q4. Do I need to apply for GIS if I already receive OAS?
Most OAS recipients are automatically enrolled, but 60–64 year olds must usually submit a separate application.

Q5. How much can a couple receive under the GIS in 2025?
Couples can receive up to $1,375 each, depending on combined household income.