Do I Qualify?
1. Do you have an impairment that affects your daily living activities?
If no, you will not qualify.
If yes, continue to determine the disability benefits program that best fits you.
2. Does your disability prevent you from working regularly?
Yes! You may qualify for Canada Pension Plan (CPP) disability benefits.
Learn more here.
No. You may qualify for Disability Tax Credit.
Learn more here.
CPP Disability Benefit
The CPP Disability Benefit is an income replacement supplement for individuals who are unable to work regularly because of a disability. If your disability is considered severe and prolonged, complete our callback form to find out how we can help you!
Disability Tax Credit
The Disability Tax Credit is mainly for individuals with restrictions who have earned an income within the past 10 years. This program allows an individual and/or a family member to claim a refund of up to $15,000, or up to $40,000 if he or she cares for a child with a disability. The qualifying rules are that your disability affects your daily living activities. See below for restrictions that qualify.
Walking: You are considered restricted in Walking if compared to an average person your age, you take three times the amount of time to walk most of the time.
Mobility: You are considered restricted if you have difficulties dressing yourself, preparing your meals, or feeding yourself.
Bowel/Bladder: You are considered restricted if you suffer from any eliminating conditions.
Vision: You are considered restricted if you are considered legally blind.
Hearing/Speech: You are considered restricted if your ability to hear or speak has been drastically reduced.
Cognitive Abilities: You are restricted if you have been diagnosed with a mental impairment that restricts your ability to perform daily living activities.
Therapy That Sustains A Vital Function: You are considered restricted if you undergo any drastic therapy like insulin, chemotherapy, kidney dialysis, etc.
What Constitutes A Disability?
The term “disability” is subjective and the definition has never been straightforward. For the purpose of clarity, the World Health Organization defines disability as “an umbrella term, covering impairments, activity limitations, and participation restrictions. An impairment is a problem in body function or structure; an activity limitation is a difficulty encountered by an individual in executing a task or action; and a participation restriction is a problem experienced by an individual in general life situations.”
As per the above definition, defining a disability varies greatly for different individuals. Disabled persons include those who suffer from physical impairments and mental restrictions, from a child who suffers from Autism Spectrum Disorder to an adult who suffers from Coronary Heart Disease. The most crucial thing to remember is not to focus so much on the name of the disability itself. As per Canada Revenue Agency (CRA), the significant aspect of qualifying for the Disability Tax Credit is the impact your disability has on daily life activities.
It is unfortunate that many Canadians who suffer with disabilities do not apply for these disability benefits because of the unavoidable complex issues that arise during the process, and it becomes too time consuming for the average Canadian who leads a busy lifestyle.
Having experienced professionals by your side drastically cuts down on the time spent dealing with the application process. We are only concerned with making this process as simple and easy as possible. Our claim specialists will consider all of the essential factors of your claim to ensure that you have the best chance of qualifying with your application.