Disability Tax Credit

Living with a disability or caring for someone who is? You may be owed money from CRA.

The Disability Tax Credit can be claimed back up to 10 years. Our average refund is about $20,000 (not guaranteed).

We check whether you qualify before you pay anything
Clear, fixed pricing agreed up front
Opens the door to the RDSP, Child Disability Benefit and Canada Disability Benefit

Who may qualify

CRA looks at how a condition affects everyday life, not at the diagnosis alone. The impairment must be severe and expected to last at least 12 months.

Walking

A block takes inordinate time, or needs aid. Knee and hip replacements, chronic pain, mobility loss.

Mental functions

Memory, judgement, problem-solving, adaptive functioning. ADHD, learning disabilities, cognitive delays, depression, anxiety.

Dressing

Cannot dress unaided, or takes inordinate time. Shoulder injuries, fibromyalgia, chronic pain.

Feeding

Preparing and eating a meal. Dysphagia, cleft lip or palate, ARFID, severe GERD.

Eliminating

Bowel or bladder. Pelvic floor weakness, IBS, Crohn's and IBD, enlarged prostate, prolapse.

Hearing

Cannot follow a conversation in a quiet room, aided.

Speaking

Not understood by a familiar listener. Severe stuttering, speech impediments.

Vision

Acuity or field of vision below the CRA thresholds, corrected.

Life-sustaining therapy

14+ hours a week: dialysis, oxygen, insulin. Type 1 automatic since 2021.

Aging parents. Later-life decline often qualifies, and the credit can transfer to the child supporting them.

What approval unlocks

Money back. Adjustments reach back up to ten tax years. The people we've helped have recovered over $20,000 each on average. Not guaranteed.
The RDSP. Approval opens the Registered Disability Savings Plan. The government matches contributions through the Canada Disability Savings Grant (up to $3,500 a year, $70,000 lifetime) and adds the Bond (up to $1,000 a year, $20,000 lifetime) with no contribution required.
The Child Disability Benefit. Up to $3,480 a year for each eligible child (July 2026 to June 2027), paid once the child is approved, with no separate application.
The Canada Disability Benefit. Ages 18 to 64: up to $2,450 a year (July 2026 to June 2027). DTC approval is required to apply.
Other planning. RRSP and RRIF rollovers to a child's RDSP, Henson trusts, and the Home Accessibility and Caregiver credits all lean on DTC approval.

How it works

Find My Money questionnaire
15 minutes
A short screen across every area CRA looks at, before anyone spends time on a call.
Discovery call
Free, 30 minutes
We assess whether your application is likely to be approved and explain the cost. If it won't be approved, you aren't billed.
DTC consultation
We go through the T2201 form section by section: the right medical practitioner, the years to claim back, and the wording.
Signature and submission
12 weeks to 6 months
Your practitioner receives their part of the form already drafted. We file it digitally and confirm CRA received it.
Decision, then refunds
Once CRA approves, we file the adjustments for past years so the refunds are issued.

Why work with Jesse Vu, QAFP

Before financial planning, I spent nearly a decade as a social worker with the provincial government. That front-line experience shapes how I guide every application - I know how to draw out the day-to-day details that make a file clear the first time.

Check if I qualify

General information about the Disability Tax Credit, not tax advice for your situation. Eligibility is decided by the Canada Revenue Agency based on a medical practitioner's certification. Benefit amounts are for July 2026 to June 2027 and may change.