How to Apply for the Guaranteed Income Supplement (GIS) and Its Relationship with OAS

How to Apply for the Guaranteed Income Supplement (GIS)

The GIS is a monthly tax-free benefit for low-income seniors aged 65+, but you must first qualify for the Old Age Security (OAS) pension. In short, no OAS, no GIS.

Who is eligible?

• You are 65 or older and meet OAS eligibility (usually 10 years of residence in Canada).
• Your income is low. Specific income thresholds are not listed on the official page; check at the time of application.

How to apply?

In most cases, Service Canada will automatically enroll you – no need to apply. If you qualify, you'll receive a letter by mail.

If it's been one month since your 64th birthday and you haven't received an enrollment letter, you need to apply yourself.

How to apply:

• Log in to My Service Canada Account (MSCA) online.
• Or call 1-800-277-9914, or visit a Service Canada office.

Key: File your taxes

If you don't file your taxes with the CRA, your GIS payments may stop or be reduced. This is the most common pitfall. Filing taxes annually is required to continue receiving GIS. If you haven't filed, you can also report your income directly to Service Canada to renew or confirm eligibility.

How much can you get?

The amount depends on your marital status and your spouse's OAS situation:

• Single, widowed, or divorced: up to $1,123.17/month
• Spouse/common-law partner receives full OAS: up to $676.09/month
• Spouse/common-law partner receives Allowance: up to $676.09/month
• Spouse/common-law partner does not receive OAS or Allowance: up to $1,123.17/month

Note: These are maximum amounts; actual amounts decrease with income.

Common pitfalls

1. Not filing taxes: The most common reason for GIS interruption. File every year.
2. Assuming automatic enrollment is enough: If you don't get a letter by one month after your 64th birthday, apply actively.
3. Sponsorship period: The official page doesn't specify, but GIS is for low-income seniors; if you're under sponsorship, your income may be counted. Contact Service Canada for advice.

Steps to follow

1. Confirm you qualify for OAS.
2. Wait for Service Canada's enrollment letter.
3. If not received, apply actively (MSCA, phone, or office).
4. File your taxes every year.
5. Consider signing up for Direct Deposit to avoid delays.

Other related benefits

• Allowance: For 60-64 year-olds whose spouse receives GIS and who have low income.
• Allowance for the survivor: For low-income widowed individuals aged 60-64 not yet eligible for OAS.
• CPP: Canada Pension Plan, separate from GIS, can be taken at 65+.

Official source

• https://www.canada.ca/en/services/benefits/publicpensions/cpp/old-age-security/guaranteed-income-supplement.html