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Understanding the Low-Income Cut-Off (LICO) for Immigration and Insurance

When applying for programs like the Super Visa for parents and grandparents or certain immigration sponsorships in Canada, you must prove that you meet a minimum income level. This requirement, known as the Low-Income Cut-Off (LICO), ensures that sponsors have enough financial stability to support their family members without relying on public assistance.

At Insurance4You, we help families navigate the income requirements and provide guidance on how LICO affects your application. We also support you in choosing the right Super Visa Insurance or other coverage so you can meet Immigration, Refugees and Citizenship Canada (IRCC) requirements with confidence.

What Is LICO?

The Low-Income Cut-Off (LICO) is a measure set by the Canadian government to determine whether an individual or household has sufficient income to support additional family members.

LICO is often used as part of eligibility criteria for:

  • Super Visa applications (for parents and grandparents visiting Canada long-term)
  • Family sponsorships under immigration programs
  • Certain financial assessments related to settlement and support obligations

By meeting or exceeding the required LICO threshold, sponsors demonstrate that they can cover housing, food, and other living expenses for their loved ones, without financial hardship.

Why Is LICO Important?

For programs like the Super Visa, meeting the income requirement is just as important as purchasing medical insurance. If your income does not meet the required level, your application may be refused, regardless of other qualifications.
Here’s why LICO matters:

  • Proves Financial Stability - Confirms that you can support your parents or grandparents during their stay.
  • Ensures Application Approval - Meeting LICO is mandatory for certain immigration and visa applications.
  • Flexibility - Funds can be used for tuition, books, living expenses, or other education-related costs.
  • Protects Public Resources - Shows that visitors will not rely on government aid.
  • Helps with Planning - Knowing the requirement allows you to plan your finances and prepare documents in advance.

How Is LICO Calculated?

LICO is determined by:

  • Family Size - The number of people in your household (including the applicant).

  • Geographic Location - Larger cities may have different thresholds due to higher living costs.
  • Annual Income - Reported on your Canada Revenue Agency (CRA) Notice of Assessment.

Each year, the Canadian government updates the LICO table. For example, in 2025, if you want to bring two parents under the Super Visa program and you already have a family of four, your household income must meet or exceed the minimum threshold for a family of six.

Documents Needed to Prove Income

To show that you meet the LICO requirement, you may need to provide:

  • Notice of Assessment (NOA) from the CRA for the most recent tax year
  • T4 or T1 forms
  • Pay stubs or employment letters
  • Bank statements (in some cases)

Our advisors at Insurance 4 You can help you understand what documents are required and how to organize them for your application.

How Insurance 4 You Can Help?

At Insurance 4 You, we go beyond just providing Super Visa Insurance. We guide families through the LICO income requirement and ensure that your application has the best chance of success.
Here's how we support you:

  • Eligibility Assessment - We help you check whether your income meets the LICO requirement.
  • Document Guidance - Assistance in collecting and preparing the right financial proof.
  • Insurance Solutions - Providing IRCC-approved Super Visa Insurance at competitive rates.
  • Personalized Support - Our team answers your questions and makes the process stress-free.

Common Questions About LICO

Your application may be refused. You may need a co-signer or to wait until your income increases.

Yes, household income can often include both spouses' earnings, as long as documentation supports it.

No, but at Insurance 4 You, we guide you on what’s required while also helping you secure the insurance portion of your application.

Generally, yes, though updates occur annually and may reflect cost-of-living adjustments.

Why Choose Insurance 4 You?

When it comes to navigating complex requirements like LICO, you need more than just information — you need a trusted partner. Here’s why families rely on us:

  • Expert Knowledge - We stay updated on the latest IRCC income requirements.
  • Affordable Insurance Options - Offering fast, flexible, and approved Super Visa Insurance.
  • Simple Process - Hassle-free quotes and guidance.
  • Family-Focused Service- We prioritize your peace of mind and long-term family plans.

Get Started Today

Meeting the Income Requirement (LICO) is one of the most important steps in bringing your parents or grandparents to Canada under the Super Visa program. At Insurance 4 You, we make it easy to understand, prepare, and meet these requirements while also securing your IRCC-approved insurance

Request a free quote online and let us guide you step by step.