For many Canadians living with a disability, the Disability Tax Credit (DTC) is the gateway to benefits by unlocking access to the Registered Disability Savings Plan (RDSP), the Child Disability Benefit, and the new Canada Disability Benefit. But there is a hidden roadblock at the very beginning of the application by way of the doctor’s … Read more
Getting approved for the Disability Tax Credit is the key to unlocking additional benefits such as qualifying for a Registered Disability Savings Plan (RDSP) along with receiving the new Canada Disability Benefit. However, the approval process has been reported as notoriously difficult by many applicants because the T2201 form focuses on how disease affects their … Read more
Disabled individuals in Ontario have several discounts to take advantage of: Toronto Zoo – Guests with a disability receive a 50% admission discount. If applicable, an accompanying support person also receives complimentary admission. Wheelchairs can also be reserved. TTC and Wheel-Trans – The Fair Pass Transit Discount is a 36 per cent discount available to … Read more
One of the most common fears for Registered Disability Savings Plan (RDSP) holders is having to periodically renew the Disability Tax Credit (DTC). What happens to an RDSP if the government decides the DTC recipient is no longer eligible? What if the person had a temporary condition and no longer meets the federal governments definition of … Read more
The Canadian Radio-television and Telecommunications Commission (CRTC) ruled that telecoms in Canada must offer packages at reduced prices for disabled individuals as a best practice. Despite these discounts, plans often remain hidden by an absence of public service announcements. The lack of visibility places the burden on the customer to search for discounts on their … Read more
It’s no secret that food prices at Canadian grocery stores have increased significantly over the past few years. With food prices continuing to rise in 2026, staying within budget can be challenging especially for those who receive provincial disability benefits. Here are some tips to better navigate the aisles and find real deals in this … Read more
At first glance, the Registered Disability Savings Plan (RDSP) repayment rules can seem daunting. If a beneficiary needs to access their funds early, they could be on the hook to return a portion of the contributions made by the federal government. The Proportional Repayment rule and the Assistance Holdback Amount (AHA) These terms are used … Read more
The Disability Tax Credit (DTC) is a non-refundable tax credit that helps people with disabilities and/or their caregivers pay less income tax. If someone has a serious long-term physical or mental health condition, they can apply for this credit and, if approved, use it to lower income taxes for themselves or their caregiver(s). The general … Read more
Opening a Registered Disability Savings Plan (RDSP) account It is a common frustration for many disabled Canadians. After doing their due diligence to educate themselves of the benefits of the RDSP, they walk into their financial institution only to be met by inexperience and misinformation from staff who lack knowledge of how these accounts actually … Read more
Most Ontario Disability Support Program (ODSP) recipients know of the $40,000 asset limit for single persons (or $50,000 for a couple, with an extra $500 for each dependent child). But what if family or friends of an ODSP recipient want to help them financially? Is there a limit to how much they can receive? What … Read more