Closed
Source verified July 9, 2026
Ontario Guaranteed Annual Income System (GAINS)
Monthly support for low-income Ontario seniors
Latest source updateLast Update: July 9, 2026Latest change: Ontario updated GAINS for the 2026 benefit year, raising the maximum monthly payment to $92 and increasing the private-income thresholds for seniors.View change
Latest source update
Last Update: July 9, 2026
Latest change: Ontario updated GAINS for the 2026 benefit year, raising the maximum monthly payment to $92 and increasing the private-income thresholds for seniors.
GAINS benefit rates updated for 2026
Ontario updated the GAINS payments for seniors page with new 2026 benefit-year details. The maximum monthly payment increased from $90 to $92, the benefit year now runs from July 1, 2026 to June 30, 2027, and the private-income thresholds increased to $4,416 for single seniors and $8,832 for senior couples. The page also keeps the same application guidance, including the annual tax-filing requirement and the option to complete a GIS application if needed. A contact-us source for a GAINS rates page was also simplified to a generic ontario.ca contact page title, without any change to the listed phone numbers or support details.
Funding available
$ 92
Deadline
Open continuously
Location
Ontario, Canada
Overview
Ontario GAINS provides monthly non-taxable payments to low-income seniors in Ontario. Eligible seniors may receive up to $92 per month for the 2026 benefit year, with support tied to OAS, GIS, and private income levels.
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Opportunity Score
Moderate potential, but conditions must align.
At a glance
Funding available
Financing goals
- Increase social or community impact
Eligible Funding
- Maximum amount : 92 $
Funds Providers
Eligible candidates
Eligible Industries
- All industries
Location
- Ontario
Legal structures
- All legal structures
Annual revenue
- All revenue ranges
Organisation size
- All organization sizes
Audience
- 2SLGBTQI+
Next Steps
1
Determine your project
2
Validate your eligibility
Documents Needed
- Annual income tax return.
- GIS application form, if applicable.
Official resources
Eligibility
Who is eligible?
- Low-income seniors in Ontario
- Seniors aged 65 and over
Eligible geographic areas
- Ontario
How to apply
- If you receive OAS and GIS, you do not need to apply.
- Your RRAG payment is determined using information received from Employment and Social Development Canada and your income tax and benefit return.
- To receive your RRAG payment, file your income tax return every year by April 30, even if you have no income to report.
- If needed, complete a GIS application and send it to your nearest Service Canada office.
Processing and Agreement
- Existing OAS and GIS recipients are assessed automatically using government tax and benefit information.
- If you are not already receiving OAS and GIS, you must file your annual tax return or submit a GIS application.
- If you disagree with a decision on eligibility or payments, you can contact the Ontario Ministry of Finance.
- A formal Notice of Objection must be filed within 90 days of the written decision and sent by registered mail.
Additional information
- Payments are monthly and non-taxable.
- The benefit year runs from July 1 to June 30.
- GAINS payments can change if income or marital status changes.
- Public information is available through Ontario Ministry of Finance webinars and Ontario tax resources.
Contacts
Frequently Asked Questions about the Ontario Guaranteed Annual Income System (GAINS) Program
What is the Ontario Guaranteed Annual Income System (GAINS)?
Ontario GAINS provides monthly non-taxable payments to low-income seniors in Ontario. Eligible seniors may receive up to $92 per month for the 2026 benefit year, with support tied to OAS, GIS, and private income levels.
How much funding can be received?
Ontario Guaranteed Annual Income System (GAINS) Funds up to $92 of admissible expenses.
Who is eligible for the Ontario Guaranteed Annual Income System (GAINS) program?
To be eligible for the Ontario Guaranteed Annual Income System (GAINS) program, you must:
Age 65 or older
Canadian resident for 10 years or more and Ontario resident for the past 12 months or for a total of 20 years since age 18
Receive the federal OAS pension and GIS payments, with annual private income up to $4,416 if single or $8,832 if a senior couple
Who can I contact for more information about the Ontario Guaranteed Annual Income System (GAINS)?
You can contact Ontario Ministry of Finance or by phone at 1-866-668-8297.
Where is the Ontario Guaranteed Annual Income System (GAINS) available?
The Ontario Guaranteed Annual Income System (GAINS) program is available the province of Ontario.
Is the Ontario Guaranteed Annual Income System (GAINS) a grant, loan, or tax credit?
Ontario Guaranteed Annual Income System (GAINS) is a Grant and Funding
Who are the financial supporters of the Ontario Guaranteed Annual Income System (GAINS)?
Ontario Guaranteed Annual Income System (GAINS) is funded by Ontario Ministry of Finance