PTSD and the Disability Tax Credit: What Canadians Need to Know
If PTSD affects your daily life, you may qualify for up to $22,000 in retroactive tax credits. MBC helps you claim what you're owed — no approval, no fee.
No upfront cost. Our fee is 25% of retroactive refunds only — collected after approval.
Not sure how much you could receive? Try our free DTC calculator →
Could You Qualify for the DTC?
CRA evaluates functional impact, not diagnosis alone. Here is what matters for PTSD.
What Qualifies
- Marked restriction in adaptive functioning, including difficulties with social interactions and managing personal affairs.
- Significant impairment in performing mental functions necessary for everyday life, such as memory or problem-solving.
- The condition must be prolonged, lasting or expected to last for a continuous period of at least 12 months.
- Impairment must be present all or substantially all of the time (at least 90% of the time) even with therapy.
- Complex PTSD (C-PTSD) is also recognized if it meets the CRA's severity and duration requirements.
How Much You Could Receive
Up to $22,000
This amount includes retroactive refunds for up to 10 previous years, the current year's tax credit, and potential Child Disability Benefit (CDB) or RDSP grants if applicable.
How MBC Helps
- We complete the T2201 using CRA-aligned functional language
- We coordinate directly with your medical practitioner
- We submit your application and monitor it with CRA
- We handle retroactive tax adjustments — up to 10 years back
- No upfront cost — our fee is 25% of retroactive refunds only
Three Steps. Fully Managed.
From your first conversation with us to CRA approval, we coordinate every step.
Free Assessment
Answer a brief, confidential questionnaire. We review your situation and let you know whether you may qualify — at no cost and with no obligation.
We Handle Everything
Our team works directly with your medical practitioner to complete the T2201 form using precise, CRA-aligned functional impact language — then submits your application.
You Get Paid
We monitor your file with CRA and coordinate any retroactive tax adjustments you're entitled to — up to 10 years back. Our fee is 25% of retroactive refunds only. No approval, no fee.
What Canadians Have Received
These are illustrative examples based on CRA refund calculations for common qualifying conditions. Individual results vary based on income, province, and years eligible.
“Mental functions restriction — adaptive functioning documented”
“Insulin therapy time documented at 14+ hrs/week”
“Child Disability Benefit unlocked retroactively”
PTSD and the DTC — FAQ
Can I apply for the DTC if my PTSD is managed with medication or therapy?
Yes, you can still apply. The CRA evaluates your eligibility based on your functioning while receiving therapy. If you remain 'markedly restricted' in daily mental functions despite treatment, you may still qualify for the credit.
Does Complex PTSD (C-PTSD) qualify for the Disability Tax Credit?
Yes. The CRA does not exclude specific diagnoses like C-PTSD. Eligibility is based on the functional impact of the condition. If your C-PTSD results in a severe and prolonged impairment in mental functions, you are eligible to apply.
What if my PTSD symptoms fluctuate and are not present every day?
To qualify, the impairment must be present 'all or substantially all of the time,' which the CRA defines as at least 90% of the time. We help you document how your symptoms consistently impact your life to meet this threshold.
How does My Benefits Canada help with my PTSD-related DTC application?
We provide end-to-end support, from helping your medical practitioner accurately document your functional restrictions to managing all correspondence with the CRA. We work on a contingency basis, meaning you only pay if your application is successful.