What’s consider income under GIS program

When applying for the Guaranteed Income Supplement (GIS) or the Allowance (ALW), you, or in the case of a couple you and your spouse or common-law partner, must report your income and deductions.

Do not include income received under Old Age Security, Guaranteed Income Supplement, Allowance, or Allowance for the Survivor program when complete the GIS application.

What's consider income under GIS program

What you must include as income

  • Canada Pension Plan (CPP) or Quebec Pension Plan (QPP) benefits
  • Other pension income, such as private pensions, superannuation and foreign pension income
  • Registered Retirement Savings Plans (RRSPs) that you cashed during the year
  • Employment Insurance benefits
  • Interest and other investment income
  • Capital gains and taxable Canadian dividends
  • Net income from any rental properties
  • Net employment or self-employment income
  • Other income from sources such as workers’ compensation payments and alimony

What is exempted as income

  • Old Age Security, Guaranteed Income Supplement, Allowance or Allowance for the Survivor payments
  • If you are employed or self-employed and receive the Guaranteed Income Supplement, you can earn up to $5,000 and still receive the full benefit amount. For earnings between $5,000 and $15,000, your Guaranteed Income Supplement will be reduced by 50 cents for every dollar of income you receive
  • Canada Pension Plan or Quebec Pension Plan contributions and your Employment Insurance premiums
  • Canada Pension Plan or Quebec Pension Plan contributions and your Employment Insurance premiums of net self-employment income
  • Deductions, such as union dues, RRSP deduction, moving expenses and other employment expenses

More Read: CPP & OAS application wait time

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If you want to learn more about the new Canada Groceries and Essentials Benefit (CGEB), including who qualifies, how much you could receive, and when payments are issued, visit Tax Service Canada’s Canada Groceries and Essentials Benefit Guide. This comprehensive resource explains the eligibility requirements, payment amounts for individuals and families, application details for new residents, and important CRA payment dates. With the CGEB replacing the GST/HST Credit in July 2026 and providing increased support to millions of Canadians, staying informed can help ensure you receive every benefit you are entitled to.

If you receive the Guaranteed Income Supplement (GIS), now is the time to ensure your benefits continue without interruption. GIS eligibility is reviewed annually, and failing to file your income tax return or complete any required renewal steps could result in your payments being reduced or stopped starting in July 2026. Service Canada uses your most recent income information to determine your eligibility and payment amount for the 2026–2027 benefit year. To avoid delays or disruptions to your monthly GIS payments, review the renewal requirements today. Visit the GIS Renewal page for a complete guide and important updates.

Never miss an Old Age Security payment by bookmarking our dedicated 2026 OAS Payment Schedule page today. Managing your retirement budget is much easier when you know exactly when your funds will arrive in your account. By saving this link, you’ll have instant, one-click access to the most up-to-date distribution dates and any schedule adjustments throughout the year. Stay organized and gain peace of mind by keeping this essential resource right at your fingertips. Bookmark us now and ensure you’re always prepared for your upcoming monthly payments!

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