Your Child's DTC Approval Unlocks More Than You Think
When your child is approved for the Disability Tax Credit, it triggers a cascade of benefits — retroactive tax refunds, tax-free monthly payments, and government savings grants. Most families leave money on the table because they don't know what to ask for.
Free eligibility assessment. No upfront cost. Our fee is 25% of retroactive refunds only — collected after CRA approval.
Three Benefits. One Approval.
A single DTC approval for your child unlocks three separate financial benefits. Together, they can provide tens of thousands of dollars in support.
Disability Tax Credit (DTC)
Up to $40,000
Retroactive up to 10 years
The DTC provides a non-refundable tax credit of approximately $3,000–$4,000 per year. When approved retroactively, CRA reassesses up to 10 years of past tax returns — resulting in a significant lump-sum refund.
Child Disability Benefit (CDB)
Up to $3,411/year
Tax-free monthly payments
A tax-free monthly supplement to the Canada Child Benefit. Up to $284.25 per month per eligible child. Automatically triggered when your child's DTC is approved — no separate application needed.
Registered Disability Savings Plan (RDSP)
Up to $4,500/year
Government grants & bonds
Once your child is DTC-approved, you can open an RDSP. The government contributes up to $3,500/year in matching grants and up to $1,000/year in bonds (income-tested, no contribution required). Grants can be carried forward up to 10 years.
The CDB Retroactive Claim Most Families Miss
CRA only auto-calculates the Child Disability Benefit for the current plus two previous benefit years. For the remaining years, you need to submit a written request — and most families never do.
Important: The Written Request Step
If your child's DTC is approved retroactively for more than 2 benefit years, you must send a written request to your CRA tax centre to receive the full retroactive CDB. Without this step, you only receive 2–3 years of retroactive CDB — even if your child was approved for 10 years of DTC.
Automatic: Current + 2 Years
When your child's DTC is approved, CRA automatically calculates CDB payments for the current benefit year plus the two previous benefit years. This happens without any action from you.
Written Request: Years 3–10
For benefit years before the automatic period, you must send a written request to your local CRA tax centre. Many families miss this step — leaving thousands of dollars unclaimed.
We Handle It For You
My Benefits Canada prepares and submits the retroactive CDB request on your behalf, ensuring you receive every dollar your family is entitled to — going back up to 10 years.
Does My Child Qualify?
CRA evaluates eligibility based on functional impact — not diagnosis alone. Many children with the following conditions qualify for the DTC.
ADHD & Learning Disabilities
Executive function challenges, attention regulation, academic and social difficulties that require ongoing support.
Learn moreAutism Spectrum Disorder
Social communication challenges, sensory processing, repetitive behaviours, and need for structured support.
Learn moreAnxiety, Depression & PTSD
Persistent mental health conditions that restrict daily functioning, school attendance, or social participation.
Learn moreType 1 Diabetes
Life-sustaining insulin therapy requiring 14+ hours per week of management — qualifies under life-sustaining therapy.
Learn moreDown Syndrome & Intellectual Disabilities
Cognitive and developmental delays affecting adaptive functioning, self-care, and daily living skills.
Learn moreEpilepsy & Seizure Disorders
Seizure conditions requiring ongoing therapy and causing restrictions in daily activities and safety.
Learn moreWhat We Handle for Your Family
You focus on your child. We manage the paperwork, medical coordination, and CRA communication.
Complete T2201 preparation using CRA-aligned functional language
Direct coordination with your child's paediatrician, psychologist, or specialist
Retroactive tax return adjustments — up to 10 years back
CDB retroactive written request to maximize your benefit
RDSP guidance — how to open and maximize government contributions
Denial review and reapplication if a previous application was rejected
Estimate Your Child's Financial Impact
Use this calculator to see how much your family could receive through the DTC, CDB, and RDSP — based on your province and circumstances.
DTC Retroactive Refund
$15,574
5 years × 1 child
CDB Monthly
$284.25
$3,411/year tax-free
RDSP Grants/Year
$4,500
Up to $90,000 lifetime
Combined Retroactive + Annual Benefits
$25,807
retroactive lump sum + $11,120/year ongoing
Disclaimer: This calculator provides estimates based on current CRA rates and formulas. Actual amounts depend on your individual tax situation, CRA's eligibility determination, and the specific years approved. Provincial credits use current-year approximations for past years. CDB amounts are based on the July 2025–June 2026 benefit year. This is not financial advice.
Guides for Parents
Child Disability Benefit: A Complete Guide
Everything parents need to know about the CDB — eligibility, amounts, and how to claim retroactively.
ADHD & Executive Function: DTC Eligibility Guide
How CRA evaluates ADHD under mental functions and what practitioners need to document.
Autism Spectrum Disorder: DTC Application Guide
ASD eligibility criteria, required documentation, and how MBC coordinates with your child's team.
Type 1 Diabetes: Life-Sustaining Therapy DTC Guide
How insulin therapy qualifies under the 14-hour rule and what documentation is needed.
Find Out If Your Child Qualifies — In 2 Minutes
Our free eligibility assessment takes less than 2 minutes. If your child qualifies, we handle everything — from medical coordination to CRA submission. No upfront cost.
Our fee is 25% of retroactive refunds only. If not approved, you pay nothing. Compliant with the DTC Promoters Restrictions Act.