The Guaranteed Income Supplement (GIS) is a vital monthly benefit designed to support low-income seniors in Canada. For November 2025, eligible seniors may receive an additional boost of up to $680, depending on their household income and marital status.
This article provides complete details on eligibility, income thresholds, and payment dates so seniors can understand what to expect in November 2025.
What is the Guaranteed Income Supplement (GIS)?
The Guaranteed Income Supplement (GIS) is a non-taxable monthly payment available to low-income seniors who already receive Old Age Security (OAS). Unlike OAS, which is available to most seniors, GIS is strictly income-tested, meaning only those below certain income thresholds qualify.
The program is administered by the Government of Canada and is adjusted annually to reflect inflation and cost-of-living increases.
Eligibility for the November 2025 GIS Boost
To qualify for the November 2025 GIS payment, you must:
- Be receiving Old Age Security (OAS) benefits in 2025
- Be a resident of Canada
- Have an income below the maximum annual threshold set for GIS
- Apply for GIS if you are not enrolled automatically
Income limits for GIS eligibility (2025):
- Single seniors: Annual income must generally be below $21,000
- Married/common-law couples (both receiving OAS): Combined income must generally be below $27,000
- Married/common-law couples (only one receiving OAS): Combined income limit is higher, approximately $50,000
The exact figures may vary based on annual adjustments made by the government.
GIS Payment Dates for November 2025
The GIS is paid on the same schedule as Old Age Security (OAS). For November 2025, payments will be issued by the Government of Canada on:
- November 27, 2025
Payments are made directly to your bank account if you are enrolled in direct deposit. Otherwise, cheques may take several business days to arrive.
Also read:
How Much Can You Receive in November 2025?
For November 2025, seniors could see a maximum GIS boost of $680. The actual amount depends on:
- Your reported income from the previous tax year
- Your marital status
- Whether your spouse or partner also receives OAS and GIS
This means two seniors in the same household may receive different GIS amounts, depending on their combined income.
How to Apply for GIS
If you already receive OAS, you may be automatically considered for GIS. However, if you are not enrolled, you must apply directly through Service Canada.
Steps to apply:
- Visit the official Service Canada website or visit a local office
- Complete the Application for the Guaranteed Income Supplement (ISP-3025)
- Provide supporting documents, including proof of income
- Submit the application by mail or in person
Once approved, GIS is paid monthly along with OAS.
Common Questions About the November 2025 GIS Boost
When is the next GIS payment in November 2025?
The GIS will be paid on November 27, 2025, along with OAS.
Is the GIS taxable?
No. The GIS is a non-taxable benefit.
Can I receive GIS if I live outside Canada?
Generally, GIS is only available to seniors residing in Canada.
Do GIS amounts change every year?
Yes. GIS amounts are adjusted quarterly based on inflation and income thresholds.
Summary
The Guaranteed Income Supplement (GIS) remains one of the most important supports for low-income seniors in Canada. With up to $680 available in November 2025, it can significantly reduce financial stress for those who qualify.
Ensuring your income is reported correctly and your OAS is active will help you receive the correct GIS payment without delays.
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