{"id":605,"date":"2026-04-23T19:52:53","date_gmt":"2026-04-23T19:52:53","guid":{"rendered":"https:\/\/wp.springfinancial.ca\/?p=605"},"modified":"2026-04-23T19:52:54","modified_gmt":"2026-04-23T19:52:54","slug":"guaranteed-income-supplement-gis","status":"publish","type":"post","link":"https:\/\/springfinancial.ca\/fr\/blog\/boost-your-income\/guaranteed-income-supplement-gis\/","title":{"rendered":"Guaranteed Income Supplement (GIS) Payment Dates &amp; Eligibility"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">What is the Guaranteed Income Supplement?<\/h2>\n\n\n\n<p>The <a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/publicpensions\/cpp\/old-age-security\/guaranteed-income-supplement.html\" target=\"_blank\" rel=\"noopener\">Guaranteed Income Supplement (GIS)<\/a> is a non-taxable monthly payment provided to low-income <a href=\"https:\/\/www.springfinancial.ca\/blog\/boost-your-income\/how-much-is-old-age-security-oas-and-who-qualifies\" target=\"_blank\" rel=\"noopener\">Old Age Security (OAS)<\/a> pensioners. Just like the OAS, GIS benefits are not tied to employment so you can still collect them if you\u2019re still working or have never been employed. You don\u2019t need to contribute to this program as it\u2019s funded by the government\u2019s general revenues.<\/p>\n\n\n\n<div class=\"block-quote\">\r\n<h2>Other GIS benefits<\/h2>\r\n<p>You or your partner may qualify for other benefits if you\u2019re eligible for the GIS.<\/p>\r\n<p><strong>Allowance<\/strong><\/p>\r\n<p>Your spouse or common-law partner can receive the <a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/publicpensions\/cpp\/old-age-security\/guaranteed-income-supplement\/allowance.html\" target=\"_blank\" rel=\"noopener\">Allowance<\/a> if they:<\/p>\r\n<ul>\r\n<li>are aged 60 to 64<\/li>\r\n<li>are a Canadian citizen or legal resident<\/li>\r\n<li>reside in Canada and have lived in Canada for at least ten years since the age of 18<\/li>\r\n<li>have a yearly income that\u2019s less than the <a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/publicpensions\/cpp\/old-age-security\/payments.html\" target=\"_blank\" rel=\"noopener\">maximum annual threshold<\/a><\/li>\r\n<\/ul>\r\n<p><strong>Allowance for the Survivor<\/strong><\/p>\r\n<p>You may be entitled to the <a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/publicpensions\/cpp\/old-age-security\/guaranteed-income-supplement\/allowance-survivor.html\" target=\"_blank\" rel=\"noopener\">Allowance for the Survivor<\/a> if:<\/p>\r\n<ul>\r\n<li>you are aged 60 to 64<\/li>\r\n<li>your spouse or common-law partner has died and you have not remarried or entered into a common-law relationship<\/li>\r\n<li>you have a yearly income that\u2019s less than the <a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/publicpensions\/cpp\/old-age-security\/payments.html\" target=\"_blank\" rel=\"noopener\">maximum annual threshold<\/a><\/li>\r\n<\/ul>\r\n<p>See current maximum monthly payments for both benefits <a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/publicpensions\/cpp\/old-age-security\/payments.html\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/p>\r\n<\/div>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/www.springfinancial.ca\/apply-now?utm_source=blog&amp;SID2=blog-guaranteed-income-supplement-gis\"><img decoding=\"async\" src=\"https:\/\/springfinancial.ca\/wp-content\/uploads\/2026\/03\/BlogBanner.png\" alt=\"\"\/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">How does the GIS work with Old Age Security?<\/h2>\n\n\n\n<p>The GIS is a supplement to OAS that\u2019s intended for low-income seniors. As a result, you need to <a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/publicpensions\/cpp\/old-age-security\/eligibility.html\" target=\"_blank\" rel=\"noopener\">qualify for OAS<\/a> first before you can get the GIS.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How does the GIS work with the Canada Pension Plan (CPP)?<\/h2>\n\n\n\n<p>GIS payments are different for everyone and your personal amount will depend on your income level. What\u2019s counted as income goes beyond employment earnings. The government considers <a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/publicpensions\/cpp.html\" target=\"_blank\" rel=\"noopener\">CPP benefits<\/a> as income, which means you must report any CPP amounts when applying for the GIS.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Much Can I Get from the GIS?<\/h2>\n\n\n\n<p>GIS payments are calculated using your income and marital status. From <strong>January to March 2026<\/strong> the <a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/publicpensions\/cpp\/old-age-security\/guaranteed-income-supplement\/benefit-amount.html\" target=\"_blank\" rel=\"noopener\">maximum monthly payment<\/a> is $1,105.43 if you\u2019re single, widowed, or divorced. The maximum monthly amount is different if you have a spouse or common-law partner.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>Situation<\/strong><\/td><td><strong>Maximum monthly payment&nbsp;(January  to March 2026)<\/strong><\/td><\/tr><tr><td>Your spouse\/common-law partner receives the full OAS pension \u2192<\/td><td>$668.08<\/td><\/tr><tr><td>Your spouse\/common-law partner does not receive an OAS pension \u2192<\/td><td>$1,109.85<\/td><\/tr><tr><td>Your spouse\/common-law partner receives the Allowance \u2192<\/td><td>$668.08<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>The GIS is reviewed quarterly in January, April, July, and October, and amounts may fluctuate throughout the year to reflect increases in the cost of living based on the <a href=\"https:\/\/www.statcan.gc.ca\/eng\/subjects-start\/prices_and_price_indexes\/consumer_price_indexes\" target=\"_blank\" rel=\"noopener\">Consumer Price Index<\/a>. Monthly payment amounts don\u2019t decrease if the cost of living goes down.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Guaranteed Income Supplement (GIS) 2026 Payment Dates<\/h2>\n\n\n\n<p>Your first payment will arrive the month after you turn 65. If you set up <a href=\"https:\/\/www.canada.ca\/en\/employment-social-development\/programs\/direct-deposit.html\" target=\"_blank\" rel=\"noopener\">direct deposit<\/a>, you\u2019ll get your GIS payments on the following <a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/calendar.html\" target=\"_blank\" rel=\"noopener\">dates<\/a> in 2026:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>January 28 2026<\/td><td>July 29 2026<\/td><\/tr><tr><td>February 25 2026&nbsp;<\/td><td>August 27 2026<\/td><\/tr><tr><td>March 27 2026&nbsp;<\/td><td>September 25 2026&nbsp;<\/td><\/tr><tr><td>April 28 2026&nbsp;<\/td><td>October 28 2026&nbsp;<\/td><\/tr><tr><td>May 27 2026<\/td><td>November 26 2026&nbsp;<\/td><\/tr><tr><td>June 26 2026&nbsp;<\/td><td>December 22 2026&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<div class=\"block-quote\">\r\n<h2>Need cash today?<\/h2>\r\n<p>If your cashflow is in need of a boost, <a href=\"https:\/\/www.springfinancial.ca\/apply-now?utm_source=blog&amp;SID2=blog-boost-your-income-guaranteed-income-supplement-gis\">get approved for a personal loan online<\/a>. Apply with Spring Financial in only 3 minutes and have the cash advance transferred to your bank account in hours, not days.<\/p>\r\n<\/div>\n\n\n\n<p>&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What are the Maximum Income Levels to Qualify for the GIS?<\/h2>\n\n\n\n<p>To qualify for the GIS, your income must be below $22,512 if you\u2019re single, widowed, or divorced.<\/p>\n\n\n\n<p>If you have a spouse or common-law partner, your combined income has to be below:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>$29,760 if your partner receives the full OAS pension<\/li>\n\n\n\n<li>$53,952 if your partner does not receive an OAS pension or the Allowance<\/li>\n\n\n\n<li>$41,664 if your partner receives the Allowance<\/li>\n<\/ul>\n\n\n\n<p>You\u2019ll need to determine your income and deductions before applying for the GIS.<\/p>\n\n\n\n<p>Sources of income include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>CPP or Quebec Pension Plan (QPP) benefits<\/li>\n\n\n\n<li>Other pension income (i.e. private pensions, superannuation, and foreign pension income)<\/li>\n\n\n\n<li>Registered Retirement Savings Plans (RRSPs) that you cashed during the year<\/li>\n\n\n\n<li>Employment Insurance (EI) benefits<\/li>\n\n\n\n<li>Interest and other investment income<\/li>\n\n\n\n<li>Capital gains and taxable Canadian dividends<\/li>\n\n\n\n<li>Net income from any rental properties<\/li>\n\n\n\n<li>Net employment or self-employment income<\/li>\n\n\n\n<li>Other income from sources (i.e. workers&rsquo; compensation payments and alimony)<\/li>\n<\/ul>\n\n\n\n<p>The following payments, contributions, and deductions are not counted as income:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Payments from OAS, GIS, Allowance, or Allowance for the Survivor<\/li>\n\n\n\n<li>CPP or QPP contributions and your EI premiums<\/li>\n\n\n\n<li>CPP or QPP contributions and your EI premiums of net self-employment income<\/li>\n\n\n\n<li>Deductions like union dues, RRSP deduction, moving expenses, and other employment expenses<\/li>\n<\/ul>\n\n\n\n<p>You can also earn up to $5,000 and still receive the full benefit amount if you\u2019re employed or self-employed.&nbsp;When earnings fall between $5,000 and $15,000, your GIS payment will be reduced by 50 cents for every dollar of income you make.<\/p>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/www.springfinancial.ca\/apply-now?utm_source=blog&amp;SID2=blog-guaranteed-income-supplement-gis\"><img decoding=\"async\" src=\"https:\/\/springfinancial.ca\/wp-content\/uploads\/2026\/03\/BlogBanner.png\" alt=\"\"\/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">What are the Other Eligibility Requirements for the GIS?<\/h2>\n\n\n\n<p>In addition to the income requirements, you must also be 65 or older, live in Canada, and collect the OAS pension to get the GIS.<\/p>\n\n\n\n<p>You may still be eligible for the GIS if you moved to Canada. Eligibility depends on how long you\u2019ve lived in Canada and whether or not you are a sponsored immigrant (see full details <a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/publicpensions\/cpp\/old-age-security\/guaranteed-income-supplement\/eligibility.html\" target=\"_blank\" rel=\"noopener\">here<\/a>).<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Do I Apply for the GIS?<\/h2>\n\n\n\n<p>In most cases, Service Canada will automatically enroll you for the GIS. You should get a letter the month after you turn 64 stating when you can start collecting the benefit. Contact Service Canada if your letter never arrives.<\/p>\n\n\n\n<p>Sometimes the government doesn\u2019t have enough information about you to enroll you automatically.<\/p>\n\n\n\n<p>You\u2019ll have to <a href=\"https:\/\/www.canada.ca\/en\/services\/benefits\/publicpensions\/cpp\/old-age-security\/guaranteed-income-supplement\/apply.html\" target=\"_blank\" rel=\"noopener\">apply<\/a> if you:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>are already collecting the OAS but never received the GIS<\/li>\n\n\n\n<li>get a letter with incorrect information or instructions to apply<\/li>\n<\/ul>\n\n\n\n<p>Applications are done <a href=\"https:\/\/www.canada.ca\/en\/employment-social-development\/services\/my-account.html\" target=\"_blank\" rel=\"noopener\">online<\/a>. You can also submit a paper application using <a href=\"https:\/\/catalogue.servicecanada.gc.ca\/content\/EForms\/en\/CallForm.html?Lang=en&amp;PDF=ISP-3550.pdf\" target=\"_blank\" rel=\"noopener\">Form ISP-3550<\/a> (OAS and GIS) and <a href=\"https:\/\/catalogue.servicecanada.gc.ca\/content\/EForms\/en\/CallForm.html?Lang=en&amp;PDF=ISP-3025.pdf\" target=\"_blank\" rel=\"noopener\">Form ISP-3023<\/a> (GIS only).<\/p>\n\n\n\n<p>Before you start, make sure you have the following information:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Social Insurance Number (SIN)<\/li>\n\n\n\n<li>information about your spouse or common-law partner (if applicable)<\/li>\n\n\n\n<li>information about the countries you lived in since age 18<\/li>\n\n\n\n<li>your bank details so you can sign up for direct deposit<\/li>\n\n\n\n<li>the date you would like your GIS payments to begin<\/li>\n\n\n\n<li>your reduction in employment or pension income (if applicable)<\/li>\n<\/ul>\n\n\n\n<p>Once you start collecting the GIS, remember to file your taxes by the deadline every year to prevent payment disruptions.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Low-income seniors can support their retirement plans with the Guaranteed Income Supplement. From eligibility requirements and payment amounts to what to expect when applying, this guide shares everything you need to know about this monthly benefit.<\/p>\n","protected":false},"author":23,"featured_media":4181,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[61],"tags":[],"class_list":["post-605","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-boost-your-income"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Guaranteed Income Supplement (GIS) Payment Dates &amp; Eligibility - Spring Financial<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/springfinancial.ca\/fr\/blog\/boost-your-income\/guaranteed-income-supplement-gis\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Guaranteed Income Supplement (GIS) Payment Dates &amp; Eligibility - Spring Financial\" \/>\n<meta property=\"og:description\" content=\"Low-income seniors can support their retirement plans with the Guaranteed Income Supplement. 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