Free Disability Tax Credit Eligibility Review
The Disability Tax Credit can be worth $15,000 or more in combined federal and Alberta provincial credits — and retroactive claims can go back up to 10 years. Many Canadians who qualify have never applied. We offer a free initial review to determine if you or your loved one may be eligible.
Learn more about our free DTC review →
You Give So Much. Let's Make Sure You're Getting Everything You're Entitled To.
Financial planning built around your caregiving reality.
Caring for a family member with a disability or chronic illness is one of the most demanding things a person can do — and it has real financial consequences. Reduced work hours, career interruptions, out-of-pocket medical expenses, and the emotional weight of long-term planning all compound over time. Meanwhile, the Canadian tax system offers substantial support for caregivers and people with disabilities — support that most families are not fully claiming.
The Disability Tax Credit alone can be worth over $15,000 in combined credits — and if the person with the disability doesn't need it all, the unused portion can often be transferred to a supporting family member. Add retroactive claims going back up to 10 years, the Registered Disability Savings Plan with up to $90,000 in government contributions, the Canada Caregiver Credit, and medical expense deductions — and many Alberta families are leaving tens of thousands of dollars unclaimed every year.
Joanne David CFP® FCSI works with caregivers and families across Alberta with compassion, patience, and deep knowledge of the disability tax credit system. She offers a free DTC eligibility review — because finding out if you qualify costs you nothing, and the result could be life-changing.
What We Help You With
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✓ Free DTC Eligibility Review
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A no-cost assessment of whether you or your loved one may qualify for the Disability Tax Credit — before you spend any time or effort on the application process. Many conditions qualify that families don't realize are eligible.
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✓ DTC Application Assistance & T2201 Guidance
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The T2201 application process can be confusing and intimidating. We guide you through every step — including what your medical practitioner needs to document — to give your application the best chance of approval.
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✓ Retroactive DTC Claims
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If your loved one was eligible in previous years but never applied, retroactive claims can go back up to 10 years — potentially resulting in a significant lump sum refund from CRA. We help identify retroactive eligibility and navigate the amendment process.
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✓ Registered Disability Savings Plan (RDSP)
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The RDSP is one of the most powerful — and underused — savings vehicles in Canada. The federal government can contribute up to $90,000 in Canada Disability Savings Grants and Bonds. To open one, the beneficiary must be approved for the DTC. We help you set it up and maximize every government contribution available.
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✓ Canada Caregiver Credit
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If you support a spouse, common-law partner, or dependent with a physical or mental impairment, you may be entitled to the Canada Caregiver Credit. Many caregivers don't claim this — either because they don't know about it or they're unsure if they qualify. We make sure you get it.
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✓ Medical Expense Tax Credits
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The list of eligible medical expenses in Canada is extensive — and most families aren't claiming everything they're entitled to. Medications, therapies, mobility aids, home modifications, and attendant care costs may all qualify. We do a thorough review of your expenses to make sure nothing is missed.
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✓ Financial Planning for Caregivers
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Caregiving often means reduced work hours, career interruptions, or leaving employment entirely — all of which affect retirement savings, CPP contributions, and long-term financial security. We build a plan that protects your own future while you focus on caring for someone else.
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✓ Henson Trusts & Government Benefit Protection
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Leaving money directly to a person with a disability can inadvertently disqualify them from provincial income support programs. A Henson Trust — a type of discretionary trust — allows you to provide for your loved one without affecting their government benefit eligibility. We help you understand when this tool is appropriate and work with your legal advisor to implement it.
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✓ Estate Planning for Families with Disabled Dependents
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What happens to your loved one after you're gone? Planning for the long-term care and financial security of a dependent with a disability requires careful estate planning — including wills, trusts, letters of wishes, and coordination with government support programs. We help you build a plan that gives you peace of mind.
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A Free Review Costs Nothing — and Could Be Worth Thousands.
We offer a free Disability Tax Credit eligibility review because we believe caregivers and families with disabilities deserve to know what they're entitled to — without any barrier. If there's nothing to claim, you've lost nothing. If there is, the result could be tens of thousands of dollars in credits, refunds, and government savings contributions you didn't know you had coming.
Book Your Free Review
