Are you a Canadian senior searching for extra financial help? The Guaranteed Income Supplement (GIS) Allowance could be the support you need. This non-taxable monthly payment is designed for low-income seniors aged 60 to 64 whose spouse or partner already receives Old Age Security (OAS) and GIS.
In this guide, we’ll explain the $1,395 Canada GIS Allowance for September 2025, including payment dates, eligibility rules, maximum amounts, and tips to maximize your benefits.
What Is the GIS Allowance?
The GIS Allowance is a monthly benefit from the Canadian government to help low-income seniors cover essential living costs. Unlike the Canada Pension Plan (CPP), which is based on your work history, the GIS Allowance focuses only on your income level.
It’s especially helpful for:
- Seniors aged 60–64 with a spouse or partner receiving OAS and GIS.
- Surviving spouses or common-law partners who are under 65.
The best part? It’s non-taxable—you keep every dollar.
Why the GIS Allowance Matters
Life expenses like rent, food, utilities, and medical bills can be tough on a fixed income. The GIS Allowance ensures low-income seniors can live with dignity and financial security.
For September 2025, the maximum monthly benefit can reach $1,395, depending on your situation. Payments are adjusted every quarter based on inflation, so seniors don’t lose purchasing power.
GIS Allowance Amounts for September 2025
Your GIS Allowance depends on your income and marital status. Here’s a quick breakdown:
| Situation | Maximum Monthly Amount | Income Limit |
|---|---|---|
| Spouse or partner receives OAS + GIS | Up to $654.23 each | Combined income under $40,800/year |
| Allowance for the Survivor (widow/widower aged 60–64) | Up to $1,395 | Income under $29,112/year |
Payments increase with inflation (January, April, July, October).
If the cost of living decreases, your benefit won’t go down.
Who Can Qualify for the GIS Allowance?
To receive the GIS Allowance in September 2025, you must meet the following:
Basic Requirements
- Age: Between 60 and 64 years old.
- Residency: Must live in Canada and have been a resident for at least 10 years after age 18.
- Spouse/Partner: Must be married or in a common-law relationship with someone receiving OAS + GIS.
- Income: Combined annual income less than $40,800 (or $29,112 for survivors).
- OAS Status: You must not be receiving OAS yourself.
Immigrant Seniors
If you immigrated to Canada, you may qualify if:
- You are not sponsored, OR
- Your sponsor has died, gone bankrupt, or is no longer supporting you.
GIS Allowance Payment Dates for 2025
Payments are made monthly on the same day as OAS and GIS. If you use direct deposit, the money usually arrives instantly. Cheques may take up to 10 business days.
Here are the official 2025 payment dates:
- January 29
- February 26
- March 26
- April 29
- May 28
- June 25
- July 29
- August 27
- September 24
- October 29
- November 26
- December 22
How to Apply for the GIS Allowance
Good news—most people are automatically enrolled once they apply for OAS. But you should double-check.
Automatic Enrollment
- Service Canada reviews your tax return.
- At age 64, you’ll get a letter confirming eligibility.
If You Don’t Get a Letter
- Online: Log in to your My Service Canada Account (MSCA).
- Paper Form: Fill out ISP-3025 (Application for the Allowance), available on Canada.ca.
- By Mail: Request the form from Service Canada.
Important: File your 2024 income taxes by April 30, 2025, or your payments could be delayed.
Tips to Maximize Your GIS Allowance
- File Taxes Early: Your income tax return decides your eligibility.
- Lower Your Taxable Income: Delay RRSP withdrawals or convert to RRIFs.
- Check Provincial Benefits: You may also qualify for programs like:
- Ontario GAINS
- B.C. Seniors Supplement
- Alberta Seniors Benefit
FAQs About the Canada GIS Allowance 2025
1. How much is the GIS Allowance in September 2025?
The maximum amount is $1,395/month for survivors and $654.23/month for seniors with a spouse/partner receiving OAS and GIS.
2. When will I get my September 2025 payment?
You can expect your payment on September 24, 2025.
3. Is the GIS Allowance taxable?
No, the GIS Allowance is non-taxable, meaning you keep the full amount.
4. Do immigrants qualify for GIS Allowance?
Yes, if they meet residency and income requirements. Sponsored immigrants may qualify if their sponsor has passed away or can no longer support them.
5. Can I still get GIS Allowance if I already receive OAS?
No, the GIS Allowance is specifically for those not yet receiving OAS, but whose partner does.
Final Thoughts
The $1,395 Canada GIS Allowance for September 2025 is a vital support program for low-income seniors. Whether you’re a surviving spouse or part of a couple, this benefit can ease financial stress and help cover daily needs.