Canadian seniors relying on retirement income could receive a Guaranteed Income Supplement (GIS) payment of up to $1,086.88 in May 2025.
As living costs continue to rise, the GIS remains a vital support system for low-income pensioners across the country. But not everyone qualifies automatically—and missing a step could delay or stop your payment.
This guide explains who qualifies, how much you could receive, when payments will arrive, and what to do if you’re not yet enrolled.
At-a-Glance: May 2025 GIS Payment
| Feature | Detail |
|---|---|
| Benefit Name | Guaranteed Income Supplement (GIS) |
| Maximum Payment (Single) | $1,086.88 per month |
| Payment Date (May 2025) | May 28, 2025 |
| Eligibility Age | 65 years and older |
| Income Threshold (Single) | Less than $22,056 annually |
| Application Required? | Sometimes – auto or manual |
| Taxable? | No – GIS payments are non-taxable |
What Is the Guaranteed Income Supplement (GIS)?
The Guaranteed Income Supplement (GIS) is a monthly, non-taxable benefit designed to assist low-income Canadian seniors who are already receiving the Old Age Security (OAS) pension.
This supplement is intended to help older adults afford basic necessities such as rent, food, and medication.
Guaranteed Income Supplement amounts are reviewed every quarter to reflect changes in the cost of living, ensuring that seniors maintain their purchasing power even during inflation.
Who Is Eligible for the GIS May 2025 Payment?
To receive the Guaranteed Income Supplement payment in May 2025, you must meet the following eligibility criteria:
- Be 65 years of age or older
- Be a resident of Canada
- Be currently receiving Old Age Security (OAS)
- Meet the income limits for your marital and benefit status
Income Limits (April to June 2025)
| Status | Annual Income Limit |
|---|---|
| Single, widowed, or divorced | Less than $22,056 |
| Spouse receives full OAS | Combined income < $29,136 |
| Spouse receives the Allowance | Combined income < $40,800 |
| Spouse does not receive OAS or Allowance | Combined income < $52,848 |
These limits are assessed using your previous year’s tax return, unless you request a reassessment due to a recent drop in income.
How Much Will You Get?
The Guaranteed Income Supplement payment amount is based on your income and marital status. The maximum monthly GIS payments for the second quarter of 2025 are:
- Single, widowed, divorced: Up to $1,086.88
- With spouse receiving OAS or Allowance: Up to $654.23
- With spouse not receiving OAS/Allowance: Up to $1,086.88
As your income increases, the monthly Guaranteed Income Supplement amount is gradually reduced.
When Will You Be Paid?
The May 2025 GIS payment date is Wednesday, May 28, 2025. If you’ve registered for direct deposit, the amount will be transferred to your bank account on this date. If not, you will receive a cheque in the mail, which may take a few days longer.
Guaranteed Income Supplement is typically paid on the same day as the OAS payment.
How to Know If You’ll Be Paid
1. Automatic Enrollment
If you’re already receiving OAS and filed your taxes, you are likely automatically assessed for Guaranteed Income Supplement . Each year, the government reviews your income and adjusts your payments accordingly.
2. Watch for a Letter Around Age 64
Canadians nearing retirement often receive a Service Canada letter explaining Guaranteed Income Supplement eligibility. If you qualify, you may not need to do anything.
3. Apply Manually If Needed
If you didn’t receive the letter or weren’t automatically enrolled, you can still apply:
- Online using My Service Canada Account (MSCA)
- Or by submitting application form ISP-3025
What If Your Income Changes Mid-Year?
Life changes—retirement, the death of a spouse, or reduced hours—can dramatically affect your income. If your current income is lower than what was reported on last year’s tax return, you can request a reassessment.
To do this, submit the ISP-3041 – Statement of Estimated Income form. This allows Guaranteed Income Supplement eligibility to be reassessed based on your current year’s income, rather than last year’s.
Why Filing Your Taxes Is Essential
Even though GIS payments are non-taxable, filing your taxes every year is mandatory to maintain eligibility. If you don’t file on time, your payments may be delayed or stopped entirely.
If you’ve missed the tax deadline, file your return as soon as possible and contact Service Canada to restart your benefits.
Will GIS Affect Other Benefits?
Yes. Receiving Guaranteed Income Supplement may influence your eligibility for certain income-tested benefits such as:
- Prescription drug programs
- Provincial/territorial housing supplements
- Seniors’ utility or property tax credits
However, since Guaranteed Income Supplement is not taxable, it generally improves your access to additional support.
The $1,086 GIS deposit for May 2025 can provide essential financial relief for low-income seniors across Canada. If you meet the eligibility requirements and file your taxes on time, you could receive this non-taxable monthly payment without needing to apply.
If you’re approaching 65 or have experienced a drop in income, now is the time to ensure your information is up to date. Stay ahead of deadlines, understand your benefits, and take full advantage of the Guaranteed Income Supplement—because every dollar counts in retirement.
FAQs
1. Is the GIS payment taxable?
No, GIS is a non-taxable benefit and does not need to be reported as income on your tax return.
2. Do I need to reapply for GIS every year?
Not necessarily. If you are automatically enrolled and continue to file your taxes, your eligibility is reviewed annually.
3. Can I receive GIS and CPP at the same time?
Yes. GIS is based on income, not contributions, and many seniors receive GIS, OAS, and CPP together.