As Canadians grapple with rising costs for food, healthcare, and housing, the Canada Revenue Agency (CRA) has approved an increase to the Guaranteed Income Supplement (GIS), providing vital financial relief for low-income seniors. Starting in November 2025, eligible seniors will receive up to $1395 in GIS payments—a timely move by the federal government to cushion older Canadians against the impacts of inflation.
This article explains who qualifies, how much recipients will get, and when the funds will be deposited—helping seniors and their families plan ahead.
What Is the $1,395 GIS Payment?
The Guaranteed Income Supplement (GIS) is a monthly, non-taxable payment provided to low-income seniors in Canada who receive Old Age Security (OAS).
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In November 2025, the CRA will increase monthly GIS payments to help seniors meet rising living costs. The payment is automatically deposited into eligible recipients’ accounts—no separate application required.
November 2025 GIS Payment Overview
The following table outlines the GIS payment amounts effective November 2025, along with the annual increase compared to the previous year:
| Category | Monthly GIS (Nov 2025) | Annual Increase |
|---|---|---|
| Single Senior | Up to $1,395 | + $225 |
| Married/Common-Law (Both receive OAS) | Up to $925 each | + $180 |
| Married/Common-Law (One receives OAS) | Up to $1,140 | + $210 |
These increases reflect the government’s commitment to indexing benefits to inflation and protecting seniors’ financial well-being.
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Who Qualifies for the $1,395 GIS Payment?
To receive the enhanced GIS payment in November 2025, seniors must meet the CRA’s eligibility rules:
1. Age Requirement
You must be 65 years or older as of November 2025.
2. Must Be Receiving OAS
GIS is only available to those receiving Old Age Security payments.
3. Income Thresholds
Your 2024 income must be below the following limits:
- Single senior: Less than $21,624
- Married/Common-Law (both on OAS): Combined income under $28,560
- Married/Common-Law (one on OAS): Combined income under $40,272
4. Canadian Residency
You must be a resident of Canada and have lived in the country for at least 10 years after age 18.
These criteria ensure that the payment reaches the seniors most in need.
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How to Receive the GIS Payment
If you’re already receiving GIS, the increased amount will be automatically applied in November 2025—no action is required.
However, if you’re applying for the first time or believe you now qualify, you must:
- Ensure your Old Age Security application is approved.
- Have filed your 2024 tax return, as the CRA uses this to determine eligibility and payment amount.
Why This Payment Matters for Seniors
Many seniors rely primarily on government income programs to cover essentials. With inflation driving up prices for everything from groceries to prescriptions, the $1,395 GIS payment can make a significant difference.
This payment aims to:
- Offset rising costs of housing, food, and medical care
- Reduce financial stress for seniors on fixed incomes
- Ensure stability during times of economic uncertainty
November 2025 Payment Schedule: When Will You Receive the Money?
The CRA has confirmed that GIS payments will be made starting November 27, 2025, for those receiving direct deposit.
| Payment Type | Estimated Delivery Date |
|---|---|
| Direct Deposit | Around November 27, 2025 |
| Cheque (By Mail) | Allow additional 3–5 business days |
If you’ve recently changed your banking information or mailing address, be sure to update your CRA My Account to avoid delays.
What If You Don’t Receive Your GIS Payment?
If your GIS payment hasn’t arrived by the end of November 2025, here’s what to do:
- Wait at least 10 business days after the payment date.
- Log into CRA or Service Canada to verify payment status.
- Ensure personal details such as marital status, address, and banking info are accurate.
- Contact Service Canada’s OAS division if the payment is still missing.
Prompt action will help prevent further delays.
Other Support Seniors Should Know About
This GIS increase is part of a broader effort by the government to support seniors. Other upcoming benefits in 2025 include:
- $456 Canada Carbon Rebate (November 2025)
- $2,000 One-Time Federal Relief Deposit
- Expanded Canada Workers Benefit (CWB)
- Increased GST/HST Credit amounts
These measures aim to protect vulnerable groups from the economic pressures of inflation and maintain their quality of life.
GIS Payments Are Indexed to Inflation
The CRA adjusts the GIS and OAS payment rates every quarter, ensuring they stay aligned with the Consumer Price Index (CPI). This protects seniors from losing purchasing power due to inflation.
The November 2025 boost is one of the most significant increases in recent years and reflects the government’s broader plan to assist older Canadians.
How to Make Sure You’re Eligible
To avoid missing out on the new GIS rate:
- Make sure your 2024 income tax return is filed and processed.
- Ensure your banking information is correct in CRA My Account.
- Keep your residency status and marital status updated.
If you’re unsure whether you qualify, you can call Service Canada or log in to your CRA account to check your GIS status.
