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Canadian Disability Tax Credit
We provide free advice and low-cost guidance for Canadians applying for the DTC.
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About Us
We are a group of professional moms dedicated to helping people discover and become eligible for various Canadian tax credits and benefits through approval of the Disability Tax Credit.
With a highly positive rate of approvals, allow us to assist you in the process of obtaining tax credits and benefits for your entitled dependent. Approval can allow increased investment into resources and services that pave the way for improved abilities and success.
Frequently Asked Questions
What is the DTC?
The disability tax credit (DTC) is a non-refundable tax credit that helps persons with disabilities or their supporting persons reduce the amount of income tax they may have to pay.
How do you get the DTC?
The disability tax credit (DTC) is a non-refundable tax credit that helps persons with disabilities or their supporting persons reduce the amount of income tax they may have to pay.
What are the benefits of having DTC approval?
Approval for the DTC unlocks credits and benefits available from the Canada Revenue Agency (CRA) for disabled individuals and/or for the people who support them, this can be life-changing.
View additional benefit details below.
Additional Benefits of the DTC
Tax Savings
An individual may claim the disability amount once they are eligible for the DTC. This amount includes a supplement for persons under 18 years of age at the end of the year. The purpose of the DTC is to provide for greater tax equity by allowing some relief for disability costs, since these are unavoidable additional expenses that other taxpayers don’t have to face. Taxes can be recalculated and refunded as far back as 10 years.
Registered Disability Savings Plan (RDSP)
A registered disability savings plan (RDSP) is a savings plan that is intended to help parents and others save for the long term financial security of a person who is eligible for the disability tax credit (DTC). Contributions to an RDSP are not tax deductible and can be made until the end of the year in which the beneficiary turns 59.
Canada Disability Savings Bond
The bond is an amount paid by the Government of Canada directly into an RDSP. The Government will pay bonds of up to $1,000 a year to low-income Canadians with disabilities. No contributions have to be made to get the bond. The lifetime bond limit is $20,000. A bond can be paid into an RDSP until the year in which the beneficiary turns 49.
The Canada Caregiver Credit (CCC)
The Canada caregiver credit helps caregivers with the expenses involved with taking care of their spouse or common-law partner or dependent who has an impairment in physical or mental functions. The Canada caregiver amount can be claimed on different lines of an individual’s tax return depending on whom they are claiming an amount for. Although an individual can claim this amount with a detailed letter from their physician and it is NOT DTC dependent, DTC approval eliminates the need for a doctor’s certification.
Home Buyer’s Plan
This program allows an individual to withdraw up to $35,000 in a calendar year from their registered retirement savings plans to buy or build a qualifying home for a person with a disability (DTC approved).
Disability Supports Deductions
If an individual has an impairment in physical or mental functions and is DTC approved, the individual may be able to deduct expenses related to work or school, such as: Attendant care services, Bliss symbol boards, Braille note-taker devices, Braille printers, Synthetic speech systems, Large print-on-screen devices, Deaf-blind intervening services, Job coaching services, Teletypewriters, Tutoring, and much more.
Child Disability Benefit (CDB)
The child disability benefit is a tax-free monthly payment made to families who care for a child under age 18 with a severe and prolonged impairment in physical or mental functions, it is added to the monthly Canada Child Benefit (CCB). It is not uncommon for a child to receive DTC approval at a later date than when the effects of their impairment began, as a result, CDB payment can be paid retroactively (as far back as 10 years).
Canada Disability Savings Grant (CDSG)
The grant is an amount that the Government of Canada pays into a registered disability savings plan (RDSP). The Government will pay matching grants of 300%, 200%, or 100%, depending on the beneficiary’s adjusted family net income and the amount contributed. For example, if a low income individual contributes $100.00 monthly to their RDSP, the Government of Canada will contribute $300.00 monthly (to a yearly maximum). An RDSP can get a maximum of $3,500 in matching grants in one year, and up to $70,000 over the beneficiary’s lifetime. A beneficiary's RDSP can receive a grant on contributions made until December 31 of the year in which the beneficiary turns 49.
The Canada Workers Benefit (CWB)
The Canada workers benefit (CWB) is a refundable tax credit that provides tax relief for eligible low-income individuals and families who are in the workforce. The CWB includes a disability supplement for individuals who have an approved Form T2201, Disability Tax Credit Certificate, on file with the CRA.
Home Buyer’s Amount
To claim this amount, an individual DOES NOT have to be a first-time home buyer if they are DTC approved or purchased a home for the benefit of a related person who is DTC approved, the purchase must be to allow the person with the disability to live in a home that is more accessible or better suited to their needs.
Home Accessibility Expenses
An individual may be able to claim this non-refundable tax credit if they own a home and paid for eligible renovations to improve safety and accessibility for the disabled individual. For those 65 years of age or older and individuals with DTC approval.
Meet The Team
LuCynda Rasmussen
Founder, Consultant, and Advocate for Disability Tax Credit Solutions
Dana Barrows
Executive
Assistant, Junior Consultant
Andrea
Hansen
Executive Secretary
Discover Our Expertise
WHERE TO START
Let us help!
Are you curious about the tax benefit and credits that are available to entitled Canadians but aren't sure where to begin? Experts at DTC Solutions are passionate about empowering Canadians with the knowledge and supports needed to apply, and be approved for the Disability Tax Credit that will unlock these powerful
As parents of children with exceptional needs, we understand this process can be overwhelming and complicated. We are here to walk you through the process and are proud of the many positive reviews we receive upon application approval.