Low-Income Canadian Seniors Can Get $1,518 Extra; See If You Qualify Today

Low-Income Canadian Seniors Can Get $1,518 Extra; See If You Qualify Today

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Many Canadian seniors living on fixed incomes are now eligible to receive up to $1,518 per month through two major federal support programs: Old Age Security (OAS) and the Guaranteed Income Supplement (GIS). If you’re aged 65 or older and struggling with basic expenses, this benefit could offer the financial stability you need.

This May 2025 guide explains eligibility, payment amounts, application steps, and expert tips to help you make the most of your entitlements.

Low-Income Canadian Seniors Can Get $1,518 Extra; See If You Qualify Today

What Is the $1,518 Monthly Senior Benefit?

The total amount—up to $1,518/month—comes from combining these two government programs:

  • Old Age Security (OAS): A monthly pension for Canadians aged 65 or older.

  • Guaranteed Income Supplement (GIS): A tax-free top-up for low-income seniors already receiving OAS.

These programs help seniors manage the costs of housing, groceries, transportation, and medication.

Who Qualifies for OAS and GIS in 2025?

To access these monthly benefits, you must meet the following conditions:

OAS Eligibility:

  • Must be 65 years of age or older.

  • Must be a Canadian citizen or legal resident.

  • Must have lived in Canada for at least 10 years after turning 18.

GIS Eligibility:

  • Must already receive OAS.

  • Your annual income must fall below the following thresholds:

    • Single seniors: Less than $22,056

    • Married/Common-law (both on OAS): Less than $29,136 combined

    • Married (only one receiving OAS): Less than $52,848 combined

    • Allowance (ages 60–64): Less than $40,800

Note: GIS eligibility is based on taxable income but excludes OAS and GIS payments themselves.

How Much Can You Receive?

Here are the current monthly rates for 2025:

  • OAS (ages 65–74): $727.67/month

  • OAS (ages 75 and above): $800.44/month

  • GIS (single seniors): Up to $953.26/month

  • GIS (married seniors – both on OAS): $574.33/month each

  • GIS (only one on OAS): Up to $1,057.01/month

Example: A 75-year-old single senior with no other income could receive:
$800.44 (OAS) + $953.26 (GIS) = $1,753.70/month

When Are the OAS and GIS Payments Made?

Here are the upcoming 2025 payment dates for OAS and GIS:

  • May 29, 2025

  • June 26, 2025

  • July 29, 2025

Payments are issued monthly, usually on the third-to-last business day. Most seniors receive their money via direct deposit.

How to Apply for OAS and GIS in May 2025

1. Automatic Enrollment

If Service Canada has your records, you may be enrolled automatically around your 65th birthday.

2. Manual Application

If not enrolled, apply by:

3. Applying for GIS

Once you’re receiving OAS, you must apply separately for GIS. Make sure to file your taxes every year, even with zero income.

Additional Provincial Support You Should Know

Many provinces provide top-ups for GIS recipients:

  • Ontario: GAINS (up to $83/month)

  • Quebec: Soutien aux aînés and Shelter Allowance

  • British Columbia: SAFER program and BC Seniors Supplement

Contact your province’s services for full details.

Expert Tips to Maximize Your Monthly Benefit

  • File your tax return every year: This ensures GIS continues without reapplying.

  • Delay OAS: Deferring OAS past age 65 can increase payments by up to 36% by age 70.

  • Split income: Couples can reduce combined income by income-splitting strategies.

  • Apply for rent aid: Use provincial housing supplements if you’re renting.

FAQs

Do I need to apply for GIS annually?

No. As long as you file your taxes on time each year, your eligibility is automatically reviewed.

Is GIS taxable?

No, GIS is a tax-free benefit.

Can I get GIS if I live outside Canada?

No. GIS requires you to reside in Canada. However, OAS may still be available if certain conditions are met.

What if my income drops during the year?

You can request a GIS reassessment if your income changes significantly due to retirement or other life events.

Can I get provincial and federal benefits together?

Yes. You can receive OAS/GIS along with provincial top-ups like GAINS or SAFER.

Click here to know more.

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