Seniors Income Plan (SIP)
The Seniors Income Plan (SIP) provides seniors with income assistance to meet their basic needs.
1. Benefits
A monthly benefit is provided to seniors who have little or no income other than the federal Old Age Security (OAS) pension and Guaranteed Income Supplement (GIS).
The table below shows the maximum SIP benefit seniors can receive and the taxable income levels, excluding the federal OAS pension and GIS, where the SIP benefit becomes $0 for each household type (rates effective July 1, 2023):
| Client Category - Living at home | Maximum SIP Benefit (monthly) | Annual Taxable Income Level where SIP becomes $0 (as of April 1, 2025) |
| Single OAS/GIS Recipient | $360 | $4,560 |
| Married - Both OAS/GIS Recipients | $325 | $7,440 |
| Married - Spouse less than 60 years of age | $360 | $11,376 |
| Married - Spouse aged 60 to 64 receiving a federal Allowance benefit | $360 | $9,120 |
| Client Category - Living in Special Care Home | Maximum SIP Benefit (monthly) |
Annual Taxable Income Level where SIP becomes $0 (as of April 1, 2025) |
| Single OAS/GIS Recipient | $50 | $912 |
| Married - Both OAS/GIS Recipients | $50 | $1,776 |
| Married - Spouse less than 60 years of age | $50 | $9,360 |
| Married - Spouse aged 60 to 64 receiving a federal Allowance benefit | $50 | $1,824 |
SIP clients with active basic 宝威体育 Health coverage are eligible for a variety of additional health benefits.
Health coverage for Status Indian (as defined by the Indian Act) SIP clients is provided by Health Canada. For more information, please call 1-866-885-3933.
2. Eligibility
No application is required for this program. Eligibility and benefit amounts are automatically determined by completing your income tax return and completing an application for Old Age Security (OAS)/Guaranteed Income Supplement (GIS) through the Canada Revenue Agency. webpage will take you to the federal application and contact information.
You will automatically receive Seniors Income Plan (SIP) benefits if you qualify and meet the following conditions:
- you are 65 years of age or older;
- you are a permanent resident of 宝威体育;
- you receive full or partial OAS pension and GIS; and
- you have annual income below a specified level.
If you are eligible for the maximum GIS amount, you are also entitled to the maximum SIP benefit. An increase in your income will lower the GIS amount and your SIP benefit.
Each year, the income reported on your income tax return determines your eligibility and the amount of the monthly federal and provincial benefits to be paid to you.
Eligibility is reassessed each year in July.
What is considered income?
- All personal income that is taxable for income tax purposes, regardless of whether or not you pay income tax. This can include: Canada Pension Plan payments, bank and bond interest, dividend payments, private pensions and wages.
- This does not include the OAS or GIS.
- Assets are not considered in determining eligibility.