The Disability Tax Credit (DTC)

What is the Disability Tax Credit (DTC)?

 

The DTC is a non-refundable tax credit used to reduce your (or your supporter's) income tax. It's available for Canadians living with a physical or mental impairment.

 

 

 

Who should apply?

 

Anyone living with an impairment should apply, as there are benefits for low-income, middle-income, and high-income individuals and families. Applying for the DTC is free. Begin the process the here.

 

Applying For The DTC

 

You may use the DTC Qualification Form to determine if you should apply for the Disability Tax Credit:

 

DTC Qualification Form

 

 

After you have completed the survey, a Benefits Specialist will review the results and will be contacted via email within 2 business days.

 

 

 

Are there any fees?

 

There are no fees for any of the assistance that you receive when completing the survey or applying for the Disability Tax Credit. This is a free service for Canadians living with an impairment.

 

DTC Eligibility

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In 2012, almost 14% of the Canadian population aged 15 years or older—3.8 million individuals—reported having a disability that limited their daily activities. Just under one million of them qualify for the DTC, but only half have applied. Caregivers of children under the age of 15 are also eligible to apply for the DTC.

 

Source: Statistics Canada

What is the process?

 

Collecting the Disability Bond and/or Disability Grant is a 4-step process:

 

Step One: Determine if you should apply for the DTC using the DTC Qualification Survey. The survey is available here.

 

Step Two: If it is established that you should apply, a Benefits Specialist will contact you to assist with the application (Part A) and provide the appropriate guidance for your doctor (Part B).

 

Step Three: The completed application is submitted to the CRA for approval.

 

Step Four: Upon approval, your Benefits Specialist will help you collect all of your entitlements, including the Disability Bond and/or Grant.

 

Again, there are no fees for any assistance offered by your Benefits Specialist. You collect 100% of refund and applicable benefits.

 

Benefits Example

There are many benefits to qualifying for the Disability Tax Credit (DTC). Your Benefits Specialist will assist you with determining which benefits, credits and expenses you are entitled to receive.

 

Click on the image below to see an example the report that you (and your doctor) will receive when working with a Benefits Specialist (your doctor is provided with a copy so that they better understand the financial importance of you qualifying, as the CRA highly values your doctor's opinion when making their decision about your eligibility).

Source: RDSP Canada - DTC Assistance Program

  • WHAT ARE THE FEES?

     

    There are no fees for any assistance that is provided by RDSP Canada. This includes, but is no limited to, any of the following:

     

    A. Determining your eligibility for the various benefits program.

    B. Calculation of your benefits.

    C. The sending of your Statement of Benefits.

    D. The referring of a Benefits Specialist.

    E.  Assistance with Disability Tax Credit (DTC) application process, etc.

     

    Please note: All Benefits Specialists referred by RDSP Canada are fully licensed and there are no fees for their assistance.

     

     

  • HOW LONG DOES IT TAKE QUALIFY FOR THE DISABILITY TAX CREDIT?

    Qualifying for the Disability Tax Credit (DTC) takes from 60-180 days. The qualification time can be minimized by ensuring that you (and your doctor) have properly completed the application. A mistake will add a significant delay to the approval of your application.

  • WHAT IS A BENEFITS SPECIALIST?

    A Benefits Specialist is an individual who will assist you in collecting all of your provincial and federal entitlements.

     

    They will help to determine your eligibility for various programs and assist you with applying.

     

    All Benefits Specialists referred by RDSP Canada are fully licensed to assist you. You may verify their credentials with the Canadian Securities Administrators (CSA) by visiting the CSA website and entering your Benefits Specialist’s name.

    Access the CSA here: Canadian Securities Administrators  - National Registration.

     

    There are no fees for assistance provided by a referred Specialist.

  • IS THE DISABILITY BOND DIFFERENT THAN THE DISABILITY TAX CREDIT (DTC)?

    Yes, the Disability Bond is different.

     

    The Disability Tax Credit (DTC) is a non-refundable tax credit used to reduce the income tax you pay. It's available for people with a severe and prolonged physical or mental impairment, subject to approval by the Canada Revenue Agency (CRA). Even if an individual living with a disability earns no income, they should still qualify for the DTC, as there are other programs that provide funds that require the DTC to qualify.

     

    The Canada Disability Savings Bond is money that the Federal Government of Canada contributes to special registered account for the person living with the impairment. The benefit can be collected retroactively (if applicable). The maximum lump-sum deposit for 2018 is $11,000. Subsequent deposits are made annually (a maximum of $1,000/year). The lifetime maximum for the Disability Bond is $20,000.

     

    To determine your eligibility to receive the Disability Bond, visit: Disability Bond Eligibility

What is the Disability Tax Credit (DTC)?

 

The DTC is a non-refundable tax credit used to reduce your (or your supporter's) income tax. It's available for Canadians living with a physical or mental impairment.

 

 

 

Who should apply?

 

Anyone living with an impairment should apply, as there are benefits for low-income, middle-income, and high-income individuals and families. Applying for the DTC is free. Begin the process the here.

 

What is the Disability Tax Credit (DTC)?

 

The DTC is a non-refundable tax credit used to reduce your (or your supporter's) income tax. It's available for Canadians living with a physical or mental impairment.

 

 

 

Who should apply?

 

Anyone living with an impairment should apply, as there are benefits for low-income, middle-income, and high-income individuals and families. Applying for the DTC is free. Begin the process the here.

What is the

Disability Tax Credit (DTC)?

 

The DTC is a non-refundable tax credit used to reduce your  (or your supporter's) income tax. It's available for Canadians living with a physical or mental impairment.

 

 

 

Who should apply?

 

Anyone living with an impairment should apply, as there are benefits for low-income, middle-income, and high-income individuals and families. Applying for the DTC is free. Begin the process the here.