A much-needed financial boost is arriving for low-income seniors in Canada. The Government of Canada has confirmed a $1,395.73 Guaranteed Income Supplement (GIS) payment for eligible seniors and surviving spouses, set to be deposited on July 29, 2025.
This non-taxable benefit, administered by the Canada Revenue Agency (CRA), is designed to support those living on limited income by helping cover the cost of necessities such as housing, groceries, transportation, and healthcare.
Here’s everything you need to know about the GIS July 2025 payment, who qualifies, and what actions seniors should take to receive it.
What Is the $1,395 GIS Payment?
The Guaranteed Income Supplement (GIS) is a federal financial assistance program provided alongside the Old Age Security (OAS) pension.
It targets seniors aged 60 to 64 and surviving spouses with combined annual income below $41,184.
This monthly benefit is non-taxable and indexed to inflation, ensuring recipients maintain purchasing power despite rising living costs.
The current July 2025 payment amount is $1,395.73, adjusted quarterly in accordance with the Consumer Price Index (CPI).
GIS July 2025 Overview
| Feature | Details |
|---|---|
| Payment Amount | $1,395.73 |
| Payment Date | July 29, 2025 |
| Program | Guaranteed Income Supplement (GIS) |
| Issued By | Canada Revenue Agency (CRA) |
| Eligibility | Low-income OAS recipients & spouses |
| Income Cap | $41,184 (combined annual income) |
| Category | Senior Financial Assistance |
| Website | canada.ca |
Eligibility Criteria for the 2025 GIS Payment
To qualify for the GIS July 2025 payment, applicants must meet the following conditions:
- Be currently receiving Old Age Security (OAS)
- Be 60–64 years of age
- Be a Canadian citizen or legal resident
- Have resided in Canada for at least 10 years after turning 18
- Be a spouse or common-law partner of a deceased OAS recipient
- Have combined annual income under $41,184
This targeted approach ensures GIS benefits support those most vulnerable in the senior population, especially surviving spouses and low-income retirees.
GIS Payment Dates for 2025
| Month | Payment Date |
|---|---|
| January | January 29, 2025 |
| February | February 26, 2025 |
| March | March 27, 2025 |
| April | April 28, 2025 |
| May | May 28, 2025 |
| June | June 26, 2025 |
| July | July 29, 2025 |
| August | August 27, 2025 |
| September | September 25, 2025 |
| October | October 29, 2025 |
| November | November 26, 2025 |
| December | December 22, 2025 |
How Much Will You Receive in 2025?
The amount received depends on your marital status, annual income, and OAS eligibility.
| Benefit Type | Monthly Amount | Eligibility |
|---|---|---|
| GIS Allowance | $1,395.73 | OAS recipients with income below $41,184 |
The CRA conducts quarterly reviews to adjust GIS amounts in line with inflation, ensuring consistent support during economic changes.
Why the GIS Benefit Is Vital
The $1,395.73 monthly GIS payment offers financial security to seniors who might not have access to private pensions or sufficient savings.
As essential expenses rise, GIS helps bridge the affordability gap, keeping seniors above the poverty line.
It is part of Canada’s broader effort to reduce senior poverty, improve quality of life, and ensure no older adult is left behind.
What Should You Do Now?
If you already receive OAS and meet the eligibility criteria:
- No reapplication is required—payments are automatically processed
- Ensure your direct deposit and mailing info with the CRA is accurate
- Track the payment on July 29, 2025 via your CRA account
If you’ve recently become eligible or have experienced a change in income, apply through Service Canada or update your records accordingly.
The $1,395 GIS payment for July 2025 offers critical support to low-income Canadian seniors.
With the rising cost of living, this benefit provides much-needed financial relief and contributes to greater economic dignity for older citizens.
Make sure you’re on the payment list and that your records are up-to-date to receive your funds smoothly.
FAQs
When will the $1,395 GIS payment be issued?
The payment will be made on July 29, 2025 through direct deposit or cheque.
Who qualifies for the GIS payment in July 2025?
Seniors receiving OAS, aged 60 to 64, with income below $41,184.
Do I need to apply for the GIS every month?
No. Once approved, payments are made automatically unless your eligibility changes.