Guaranteed Income Supplement: Overview
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The Guaranteed Income Supplement (GIS) is a monthly payment you can get if:
- you are 65 or older
- you live in Canada
- you get the Old Age Security (OAS) pension
- your income is below $18,624 if you are single, widowed, or divorced
- your income plus the income of your spouse/common-law partner is below:
- $24,576 if your spouse/common-law partner receives the full OAS pension
- $44,640 if your spouse/common-law partner does not receive an OAS pension
- $44,640 if your spouse/common-law partner receives the Allowance
The Supplement is based on income and is available to low-income Old Age Security pensioners. It is not taxable.
In many cases, we will let you know by letter when you could start receiving the first payment. We will send you this letter the month after you turn 64. In other cases, you may have to apply.
Why you may have to apply
You may have to apply for the Guaranteed Income Supplement. We may not have enough information to enroll you automatically. You may have to apply if you are already receiving your Old Age Security pension and never applied for the Guaranteed Income Supplement.
When payments start
You can receive your first payment the month after you turn 65. You must file your taxes on time every year to avoid any disruption to your payments.
Your income, whether you are married or have a common-law partner will determine how much you could receive.
Benefit for your spouse or common-law partner
If you are eligible to receive the Guaranteed Income Supplement, your spouse or common-law partner may be able to receive the Allowance benefit if your spouse or common-law partner:
- is 60 to 64 years of age
- is a Canadian citizen or a legal resident
- resides in Canada and has resided in Canada for at least 10 years since the age of 18
- your combined annual income is less than $34,416 (October to December 2020 maximum annual income threshold)
Allowance for the Survivor
You could receive the Allowance for the Survivor if:
- you are 60 to 64 years of age
- your spouse or common-law partner has died and you have not remarried or entered into a common-law relationship
- your annual income is less than $25,080 (October to December 2020 maximum annual income threshold)
Where you can get help
If you have general questions about the Guaranteed Income Supplement or specific questions about your application, contact us.
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