The Guaranteed Income Supplement (GIS) remains one of the most important financial lifelines for low-income seniors in Canada. Designed to top up the Old Age Security (OAS) pension, this program ensures that those who have limited retirement income can still afford basic living costs.
One key branch of this program is the GIS Allowance – a benefit made specifically for individuals aged 60 to 64 who are spouses, common-law partners, or survivors of OAS recipients.
For July 2025, the Canadian government has confirmed that eligible recipients will receive $1,395.73 per month. This amount will be deposited or mailed on July 29, 2025, according to the standard federal payment schedule.
Who Qualifies for the $1,395 GIS Allowance in July 2025?
To get the July 2025 GIS Allowance, applicants must meet all the following conditions:
- Be between 60 and 64 years old.
- Be the spouse/common-law partner of an OAS recipient, or a survivor of one.
- Meet the Old Age Security residency rules (at least 10 years living in Canada after age 18).
- Be a Canadian citizen or legal resident.
- Have a combined 2024 income below $41,184.
This income-tested design ensures that the payment reaches households who need it most – seniors who rely heavily on government benefits to cover rent, groceries, medical costs, and other essentials.
GIS & OAS Payment Dates for 2025
Like other OAS-related benefits, the GIS Allowance is paid monthly. The 2025 schedule is:
| Month | Payment Date |
|---|---|
| January | Jan 29, 2025 |
| February | Feb 26, 2025 |
| March | Mar 27, 2025 |
| April | Apr 28, 2025 |
| May | May 28, 2025 |
| June | Jun 26, 2025 |
| July | Jul 29, 2025 |
| August | Aug 27, 2025 |
| September | Sep 25, 2025 |
| October | Oct 29, 2025 |
| November | Nov 26, 2025 |
| December | Dec 22, 2025 |
Why the GIS Allowance is Important
This payment is more than just an income boost – for many, it’s the difference between financial stability and daily struggle. It helps cover:
- Housing costs (rent, utilities, maintenance)
- Groceries and basic household supplies
- Transportation expenses
- Medical bills and prescriptions
With inflation and housing prices still high, the GIS Allowance acts as a shield against poverty for thousands of older Canadians.
Indexed to Inflation – Your Payments Can Go Up
One of the most reassuring aspects of the GIS program is that it’s reviewed every four months. If the cost of living rises, your payment amount increases to match inflation. Even better – if the cost of living goes down, your payment stays the same.
How to Apply for the GIS Allowance
If you believe you qualify for the GIS Allowance, the process is straightforward:
- Check your eligibility – age, residency, income, and relationship status.
- Gather your documents – Social Insurance Number (SIN), proof of income, and residency history.
- Apply online via your My Service Canada Account or submit a paper application.
- Set up direct deposit to ensure faster payments.
The Bottom Line
The $1,395.73 July 2025 GIS Allowance is a clear example of how Canada’s retirement system works to protect its most financially vulnerable seniors. With regular inflation adjustments, strict eligibility rules, and reliable monthly payments, it offers not just income – but dignity and peace of mind during retirement.