The $1,395 Guaranteed Income Supplement (GIS) payment offers essential monthly financial aid to low-income seniors and surviving spouses, helping them afford necessities like rent, food, and healthcare. Scheduled for July 29, 2025, this benefit will be distributed via direct deposit or mailed cheque to all eligible recipients.
Understanding the $1,395 GIS Benefit
The Guaranteed Income Supplement (GIS) is a non-taxable monthly payment designed for individuals who already receive the Old Age Security (OAS) pension. It’s targeted at Canadians aged 60 to 64 whose combined income is below $41,184 annually.
This support also extends to surviving spouses or common-law partners of deceased OAS recipients. In July 2025, eligible individuals will receive $1,395.73, an amount adjusted every quarter to align with the Consumer Price Index (CPI) and inflation.
Government’s Initiative to Alleviate Senior Poverty
The GIS program reflects the Canadian government’s broader mission to reduce senior poverty. With inflation steadily increasing the cost of living, these quarterly-adjusted benefits are critical in maintaining the financial security of seniors living on fixed incomes.
Providing regular financial support helps ensure that vulnerable seniors are not left behind in a rapidly evolving economy.
Quick Summary – July 2025 GIS Payment Details
| Feature | Details |
|---|---|
| Post | $1,395 Guaranteed Income Supplement – July 2025 |
| Announced By | Government of Canada |
| Country | Canada |
| Administered By | Canada Revenue Agency (CRA) |
| Main Purpose | Financial Assistance for Seniors |
| Recipient Eligibility | Canadian Citizens |
| Payment Date | July 29, 2025 |
| Monthly Amount | $1,395.73 |
| Category | Finance |
| Official Website | canada.ca |
Eligibility Criteria for GIS in 2025
To qualify for the GIS Allowance in 2025, applicants must meet the following conditions:
- Be currently receiving Old Age Security (OAS)
- Aged 60 to 64 years
- Be a Canadian citizen or permanent resident
- Have lived in Canada for a minimum of 10 years after turning 18
- Be the surviving spouse or common-law partner of a deceased OAS recipient
- Have a combined income below $41,184 annually
These criteria ensure that GIS funds reach the most financially vulnerable seniors, particularly widowed individuals and lower-income couples.
GIS Payment Schedule – July 2025 and Beyond
The upcoming GIS payment is set for July 29, 2025, as part of the CRA’s regular OAS/GIS payment calendar. Below is the full payment schedule 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, 202 |
How Much Will You Receive Under GIS in 2025?
The amount of GIS benefit varies based on:
- Annual household income
- Marital status (single or married)
- Eligibility for OAS
As of the latest CRA update, seniors earning less than $41,184 annually can expect the following:
| Benefit Type | GIS Allowance |
|---|---|
| Eligibility | OAS recipients & survivors |
| Income Limit | Below $41,184 |
| Monthly Amount | $1,395.73 |
The CRA performs quarterly reviews to adjust GIS payments, ensuring that the rising cost of living doesn’t impact a senior’s ability to meet basic needs.
Why GIS Matters for Low-Income Seniors
For seniors with little or no retirement savings, the GIS payment serves as a critical safety net. It helps cover essential expenses like housing, food, medical care, and utilities. As prices climb across Canada, this monthly benefit ensures seniors aren’t forced into poverty.
Furthermore, the government’s automatic inflation-indexed adjustments and on-time delivery of payments reflect a deep commitment to preserving financial dignity and independence for elderly Canadians
What Seniors Should Do Right Now
If you’re already enrolled in OAS and GIS, there’s no need to reapply monthly. Your $1,395.73 will be automatically sent on July 29, 2025.
However, it’s crucial to ensure your banking and mailing information is current with the CRA to avoid any disruption. Visit your My Service Canada Account or contact CRA directly to verify or update your details.
Conclusion
The July 29, 2025 GIS payment is a cornerstone of Canada’s effort to protect its seniors from economic hardship. With over $1,395.73 being disbursed to qualifying individuals, this financial support provides both security and dignity in a time when affordability is a growing concern. Seniors are encouraged to keep their contact and banking details up to date to ensure smooth and timely payment delivery.
FAQs
What is the GIS payment for July 2025?
The GIS payment for July 2025 is $1,395.73, provided to eligible low-income seniors and surviving spouses who receive OAS.
When will the July 2025 GIS payment be issued?
The payment will be sent on July 29, 2025, following the standard monthly schedule set by the Canada Revenue Agency.
Who qualifies for the GIS benefit in 2025?
Canadians aged 60–64, who are OAS recipients with a combined income under $41,184, and meet residency requirements, are eligible.
Do I need to apply for GIS every month?
No, once enrolled, the CRA automatically deposits your payment each month. Just make sure your personal details are up to date.
How is the GIS amount calculated?
The amount is based on your annual income, marital status, and eligibility. The CRA adjusts it quarterly based on inflation and CPI.