The federal government will issue the next payment of the Guaranteed Income Supplement (GIS) on November 26, 2025, offering up to $1,395 to eligible low-income seniors. With inflation and living costs rising, this payment can provide meaningful help. In this article, we’ll break down what GIS is, who qualifies, how much you might receive, and what to check before payment day.
What is the GIS and Why This November Payment Matters
The GIS is a monthly non-taxable benefit designed for seniors who already collect the Old Age Security pension (OAS) and meet low-income rules. The payment amount is adjusted each year to reflect cost-of-living changes and income criteria. For November 2025, the maximum payment has been set at up to $1,395, depending on the individual or household situation.
Because living costs—such as housing, food, and medical care—are increasing, this updated payment offers increased support for seniors with limited financial means, making it a key boost for many.
Eligibility Criteria for the $1,395 GIS Payment
To qualify for the November 2025 GIS payment, seniors must meet several conditions:
- Recipient of OAS
You must already be approved for and receiving the Old Age Security pension. - Age 65 or Older
Applicants must have reached age 65 by the payment date. - Low Annual Income
Your income in the previous tax year (2024) determines your eligibility and payment amount. - Canadian Residency
You must live in Canada to receive GIS. - Filed 2024 Tax Return
GIS entitlement for July 2025–June 2026 is calculated using your 2024 income. Ensure your return is filed.
How Much Will Seniors Receive in November 2025?
The maximum payment for eligible seniors is up to $1,395, but the exact amount varies based on:
- Whether you are single, widowed, divorced, or married/common-law
- Whether your spouse receives OAS, GIS, or neither
- Your total combined income (for couples) or individual income (for single seniors)
As income rises above certain thresholds, the GIS amount gradually decreases and eventually phases out.
Approximate Income Thresholds for 2025
While thresholds may vary each year, typical guideline figures for 2025 are:
- Single seniors: income under about $21,000
- Couples: combined income depending on spouse’s benefit status, often around $28,000 to $39,000
GIS Payment Date & How It’s Received
The government has confirmed the payment date for November 2025 as November 26, 2025.
Payments are delivered by:
- Direct deposit: usually early morning on the payment date
- Cheque: may take several business days—direct deposit is recommended
Why GIS Payments Are Increasing in 2025
Here’s why the GIS amount has increased:
- Cost of Living Adjustments (COLA): Payments reflect inflation using the Consumer Price Index (CPI).
- Annual Income Reassessment: Amounts adjust each July based on the previous year’s income.
- Enhanced Support: With rising costs, the government is prioritizing help for low-income seniors.
How to Apply for GIS If You’re Not Already Receiving It
If you qualify but are not enrolled, you can apply by:
- Signing in to your My Service Canada Account
- Completing a paper application
- Calling Service Canada for assistance
Note: Not all OAS recipients are automatically enrolled, so always confirm your status.
Common Reasons for Payment Delays
Delays can happen due to:
- Missing or late 2024 tax return
- Unreported marital status or residency changes
- Incorrect banking information
- Extra verification required by Service Canada
Check your personal details before payment day to avoid delays.
What Seniors Should Do Before November 26, 2025
To ensure a smooth payment process:
- Verify your direct deposit banking information
- Confirm your OAS and GIS eligibility
- Ensure your 2024 tax return is filed correctly
- Update Service Canada on any personal changes
- Keep all correspondence handy
Many Canadians are eagerly waiting for additional financial support this fall, especially with the rising cost of everyday essentials. The upcoming payment, CRA’s $179 GST/HST Credit for November 2025: Direct Deposit Set for November 26, offers meaningful relief by helping low- and middle-income households manage expenses. This credit is designed to reduce the impact of sales taxes and ensure families have extra money available before the holiday season. With automatic direct deposit, eligible individuals will receive the benefit quickly, safely, and without any extra steps.
Conclusion
The upcoming $1,395 GIS payment on November 26, 2025 provides important financial relief for low-income seniors navigating rising expenses. Ensuring your information is accurate and up-to-date will help guarantee that your payment arrives on time. Being prepared now ensures you won’t face delays later.
FAQs
Q1: When exactly will the November 2025 GIS payment be deposited?
The payment date is November 26, 2025. Direct deposit typically arrives early morning; cheques may take a few extra business days.
Q2: I filed my 2024 tax return late—does that affect my GIS eligibility?
Yes. Your 2024 income determines GIS entitlement for July 2025–June 2026. A late return may delay or reduce your payment.
Q3: I’m married and my spouse receives OAS but not GIS—how does that affect my benefit?
Your combined income and your spouse’s benefit status influence the amount you receive. Payments may be reduced depending on income levels.