Canada’s government continues to support seniors through programs like Old Age Security (OAS) and the Guaranteed Income Supplement (GIS). Together, these benefits can provide low-income seniors with up to $1,450 per month in 2025. That’s a significant amount for many seniors living on a tight budget — but who gets it, how do you apply, and when is it paid? Let’s break down everything you need to know about this important support.
Table of Contents
Overview
| Key Information | Details |
|---|---|
| Who is eligible? | Canadian seniors aged 65+ with low income |
| Max OAS (2025) | $727.67 (65–74), $800.44 (75+) |
| Max GIS (2025) | $1,086.88 for single low-income seniors |
| Total Monthly Benefit (Single) | Up to $1,450 per month |
| Payment Dates | Monthly (usually the 29th) |
| Application | Automatic or manual, depending on situation |
| Taxation | OAS is taxable; GIS is not |
| Official Source | Canada.ca – OAS & GIS |
This monthly support plays a major role in helping older adults cover essential living expenses. Here’s a closer look at how the system works and how you can ensure you’re getting every dollar you’re entitled to.
OAS
Old Age Security (OAS) is a government pension available to seniors aged 65 and older. It’s based on your age and how long you’ve lived in Canada — not your income or job history.
Eligibility
To qualify for OAS:
- You must be 65 or older.
- You must be a Canadian citizen or legal resident.
- You need to have lived in Canada for at least 10 years after turning 18.
To get the full OAS benefit, you must have lived in Canada for at least 40 years. If not, you’ll receive a partial amount based on the years you’ve lived here.
2025 Payment Amounts
- Age 65–74: $727.67/month
- Age 75 and over: $800.44/month
Note: OAS is considered taxable income and may be clawed back if your income exceeds $90,997 (as of 2025).
GIS
The Guaranteed Income Supplement (GIS) is extra support for low-income seniors who already qualify for OAS. Unlike OAS, GIS is non-taxable and income-tested.
Eligibility
To receive GIS, you must:
- Already receive OAS.
- Have a low income — under $22,056 for singles in 2025.
- Be a Canadian citizen or legal resident.
2025 GIS Amounts
- Up to $1,086.88 for single seniors.
- Couples receive a reduced amount based on combined income.
GIS payments are adjusted each year based on your income from the previous year’s tax return.
Combined Benefit
When combined, OAS and GIS can provide a single low-income senior up to $1,450 per month in 2025. That amount can vary based on your exact income and living situation. Couples will receive slightly less each due to the way GIS is calculated for households.
Payment Dates
Seniors can expect payments around the 29th of each month. If the date falls on a weekend or holiday, payments are made on the closest business day. Some key 2025 payment dates include:
- January 29
- February 26
- March 27
- April 28
Check Canada.ca for the full year’s schedule.
Application
Most people are enrolled automatically at age 65. You’ll get a letter from Service Canada if this applies to you.
If You Need to Apply
If you don’t get a letter, you’ll need to apply manually:
- Check eligibility at Canada.ca
- Apply online via My Service Canada Account or download a paper form
- Submit proof of income for GIS calculation
Tip: You must file your taxes each year to continue receiving GIS. No tax return = no GIS.
Budgeting Tips
Here are some simple ways to make the most of your monthly benefits:
- Track your expenses using a monthly budget template
- Apply for tax credits like the age amount and GST/HST credit
- Look into other programs, such as provincial housing aid or dental subsidies
- Speak with a financial advisor if you’re unsure how to manage fixed income
Real-Life Example
Meet Joan, a 76-year-old living in Halifax. She receives $800.44 from OAS and qualifies for the full GIS amount of $1,086.88. Each month, she receives just under $1,450, which she uses to cover rent, food, medication, and transportation. Joan budgets carefully, uses community meal programs, and avoids debt — making her retirement comfortable and secure.
Other Senior Supports
In addition to OAS and GIS, eligible seniors may also apply for:
- Allowance for the Survivor (for widowed seniors aged 60–64)
- Provincial programs like BC’s SAFER or Ontario’s GAINS
- Veterans’ benefits through Veterans Affairs Canada
- Home care subsidies and senior dental programs
Check Canada.ca/benefits for a full list.
Coping With Inflation
With inflation still a concern, these programs adjust yearly. OAS and GIS amounts rise with the Consumer Price Index (CPI) to help seniors keep up with the cost of living. While the increases may not cover everything, they provide consistent support and buying power.
FAQs
How much can a low-income senior get monthly?
Up to $1,450 if eligible for both OAS and GIS.
Is GIS taxable like OAS?
No, GIS is not taxable. OAS is taxable.
Do I need to apply for OAS?
Most are enrolled automatically, but some must apply.
When are OAS and GIS paid each month?
Around the 29th of each month, or the nearest business day.
What affects my GIS amount?
Your income from the previous tax year.
