John Hughie
The Canada Revenue Agency (CRA) has officially confirmed the $1,395.73 Guaranteed Income Supplement (GIS) payment for low-income seniors scheduled for July 29, 2025.
This non-taxable monthly benefit plays a vital role in helping eligible Canadians afford daily living expenses such as rent, groceries, and medication.
With rising inflation and housing costs, this benefit offers timely financial support for seniors who rely on fixed incomes and lack access to private pension plans.
What Is the $1,395 GIS Payment?
The Guaranteed Income Supplement (GIS) is a federal monthly payment provided to low-income individuals who already receive the Old Age Security (OAS) pension.
The GIS is adjusted quarterly based on the Consumer Price Index (CPI) to ensure the benefit keeps pace with inflation and rising costs of living.
For July 2025, the monthly GIS amount is $1,395.73, which will be deposited directly into bank accounts or delivered via cheque to eligible recipients.
CRA GIS Payment Overview – July 2025
| Feature | Details |
|---|---|
| Benefit Name | Guaranteed Income Supplement (GIS) |
| Payment Date | July 29, 2025 |
| Monthly Amount | $1,395.73 |
| Eligibility | Low-income seniors receiving OAS |
| Administered By | Canada Revenue Agency (CRA) |
| Country | Canada |
| Taxable | No – this benefit is tax-free |
| Payment Method | Direct deposit or mailed cheque |
Eligibility Criteria for GIS in 2025
To qualify for the $1,395 GIS payment in July 2025, individuals must meet the following conditions:
- Be aged between 60 and 64
- Be a Canadian citizen or legal resident
- Currently receive the Old Age Security (OAS) pension
- Have lived in Canada for at least 10 years after age 18
- Be the spouse or common-law partner of a deceased OAS recipient (if applicable)
- Have a combined annual income below $41,184
These criteria are designed to target financial support to those most in need, including widows, surviving partners, and low-income seniors.
2025 GIS Payment Schedule
CRA follows a monthly payment schedule for GIS. Here’s the full calendar 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?
The GIS amount depends on several key factors, including income level, marital status, and OAS eligibility. The following table outlines the basic structure:
| Benefit Type | Monthly GIS Amount | Income Threshold |
|---|---|---|
| Single Individual | Up to $1,395.73 | Below $41,184 |
| Married/Common-Law | Varies | Combined income considered |
| Survivor Benefit | Up to $1,395.73 | Based on partner status |
Quarterly adjustments ensure that the benefit remains responsive to cost-of-living changes.
Why the GIS Payment Matters
For many seniors, this monthly support is a financial lifeline. With housing, utility, and grocery prices rising steadily, GIS helps reduce financial stress and prevent seniors from falling below the poverty line.
The CRA’s commitment to automatic, inflation-adjusted payments ensures that vulnerable Canadians maintain a basic standard of living, even amid economic volatility.
What Seniors Should Do Now
If you’re already enrolled and meet the eligibility requirements, you do not need to reapply each month. The CRA will automatically process your July 29 payment.
However, you should:
- Check and update your direct deposit or mailing details
- Log in to your My Service Canada Account to verify payment status
- Ensure your 2024 taxes are filed, as CRA uses this data for eligibility review
- The $1,395 GIS payment arriving on July 29, 2025, offers critical financial assistance to Canada’s most vulnerable seniors. If you meet the income and residency requirements, you will automatically receive this benefit, helping you cover essential living costs.
Stay informed, update your records, and make sure you’re getting every dollar you’re entitled to from CRA’s senior benefit programs.
FAQs
When will the $1,395 GIS payment be deposited?
The payment will be issued on July 29, 2025, through direct deposit or mailed cheque.
Who qualifies for the GIS payment in 2025?
Canadian citizens or residents aged 60–64 with low income and currently receiving OAS are eligible.
Do I need to apply monthly for GIS?
No. Once approved, CRA sends the payment automatically each month unless your status changes.
