常見問題

DTC 是加拿大稅務局 (CRA) 提供的一項不可退稅的稅收抵免，可幫助加拿大殘障人士或其供養的家庭成員減少所欠的所得稅。它也可以釋放其他福利，例如兒童傷殘補助金。

我們是安大略省一家提供全方位服務的 DTC 管家公司。我們處理整個申請過程 - 從資格評估到醫療協調、T2201 準備、CRA 提交以及追溯稅務調整。

DTC 是一種稅收抵免，而非退休金或每月付款。但是，一旦獲得批准，它可以發放額外的福利，例如兒童傷殘補助金 (CDB)，它確實可以為有 18 歲以下子女的家庭提供每月補助金。

是的，您可以自行申請。不過，常見拒絕原因之一是T2201表格的填寫方式。我們的團隊致力確保該表格使用符合CRA標準的功能語言，幫助強化申請。

不是。My Benefits Canada 是一家獨立的服務提供商，與加拿大稅務局（CRA）無任何隸屬或背書關係。所有關於殘障稅收抵免資格和批准的決定均由加拿大稅務局獨立作出。

No. My Benefits Canada is an independent, private concierge service. We are not affiliated with, endorsed by, or connected to the Canada Revenue Agency (CRA) or any government body. We assist clients with preparing and submitting DTC applications, but all eligibility determinations are made solely by CRA.

Yes. The DTC application is a public process and anyone can apply directly through CRA. However, the T2201 form requires precise functional-impact language that aligns with CRA's evaluation criteria. Many applications are denied not because the person doesn't qualify, but because the form wasn't completed using the right language. Our service helps ensure your application is thorough and accurate.

Tax accountants handle your annual tax filings and general tax planning. We specialize exclusively in the Disability Tax Credit application process — including medical coordination, T2201 preparation, CRA submission, and retroactive adjustments. We work with your medical practitioner to document functional impact in CRA-aligned language, which is a specialized skill outside most accountants' scope.

申請資格是基於功能性影響，而非僅基於診斷。明顯限制基本日常生活活動的疾病，例如走路、穿衣、精神功能、視力、聽力或維持生命的治療，都可能符合資格。常見的合格狀況包括注意力不足過動症 (ADHD)、憂鬱症、自閉症、糖尿病、慢性疼痛等。

CRA 會評估您的狀況是否導致一項或多項基本日常生活活動受到明顯限制。重點在於您的狀況如何影響您的日常功能，而非診斷本身。

是的。即使經過治療，CRA 仍會評估您的功能限制。如果您的狀況在接受藥物或治療後仍明顯限制日常活動，您可能符合資格。

明顯的限制表示您無法進行基本的日常活動，或即使接受治療、藥物治療或使用輔助裝置，仍需花費大量時間才能完成。該限制必須是全部或大部分時間（至少 90%）都存在。

是的。符合條件的兒童可獲准領取 DTC。批准後也可領取兒童傷殘福利金 (CDB)，該福利金每月向家庭提供免稅付款。

Yes. Children of any age can qualify for the DTC if they have a prolonged impairment that markedly restricts a basic activity of daily living. Common qualifying conditions in children include autism spectrum disorder, ADHD, Type 1 diabetes, developmental delays, and learning disabilities. If approved, the family may also qualify for the Child Disability Benefit (CDB), which provides a tax-free monthly payment.

Yes. Employment status does not affect DTC eligibility. CRA evaluates whether your condition markedly restricts a basic activity of daily living — not whether you can work. Many working Canadians qualify for the DTC because their condition significantly impacts daily functions like walking, dressing, feeding, or mental functions, even if they are able to maintain employment.

The T2201 form must be completed by a qualified medical practitioner, but it does not require a 'disability' label. CRA evaluates functional impact — how your condition affects daily activities — not the diagnosis itself. We work with your practitioner to document the functional restrictions in CRA-aligned language, which helps ensure the form accurately reflects your situation.

Yes. Mental health conditions are among the most common qualifying conditions for the DTC. If depression, anxiety, PTSD, bipolar disorder, or other mental health conditions markedly restrict your ability to perform mental functions necessary for everyday life — such as memory, problem-solving, goal-setting, or adaptive behaviour — you may qualify, even with treatment.

CRA defines 'markedly restricted' as being unable to perform a basic activity of daily living, or taking an inordinate amount of time to do so, even with therapy, medication, or devices. This is assessed on a case-by-case basis. The key is demonstrating that the restriction is significant and prolonged (lasting or expected to last at least 12 continuous months).

Yes, ADHD can qualify for the DTC if it causes a marked restriction in mental functions of everyday life — such as adaptive functioning, memory, problem solving, or goal setting — even with medication. CRA evaluates the functional impact of ADHD on your daily life, not the diagnosis itself. The key is demonstrating that your symptoms significantly limit your ability to perform basic activities. Learn more on our ADHD and the DTC page.

Yes. CRA assesses your functional limitations as they exist even with therapy, medication, or devices. If your condition still causes a marked restriction in a basic activity of daily living despite treatment, you may qualify. Many approved applicants are on medication — what matters is the residual functional impact, not whether you are receiving treatment.

The cumulative effect provision allows individuals with two or more significant limitations — rather than a single marked restriction — to qualify for the DTC. If no single condition causes a marked restriction on its own, but the combined effect of multiple conditions significantly restricts your ability to perform basic activities of daily living, you may still be eligible. This is assessed under Section 118.3(1.1) of the Income Tax Act.

Yes. Type 1 diabetes typically qualifies under the life-sustaining therapy category if you spend at least 14 hours per week on therapy essential to sustain a vital function — including insulin administration, blood glucose monitoring, dietary management, and related activities. CRA counts the cumulative time for preparation, administration, and recovery. Visit our diabetes and DTC page for details.

我們的流程有三個步驟(1) 免費資格評估 - 我們免費審核您的情況。(2) 醫療協調 - 我們與您的醫師合作完成 T2201 表格。(3) 提交 CRA - 我們提交您的申請、監控進度並協調任何追溯稅務調整。

時間表視 CRA 處理時間和醫生是否有空而定。一般而言，從初步評估到 CRA 決定，整個過程需時 3 到 6 個月。我們會隨時通知您每個階段的情況。

T2201（殘障稅收抵免證明書）是申請 DTC 所需的 CRA 官方表格。表格的一部分必須由合格的醫生填寫。如何填寫此表格是您的申請是否獲得批准的最重要因素。

是的。如果您過往年度已有DTC資格但未申請，CRA可以依規定處理回溯最多10個過往課稅年度的調整，這常會帶來可觀的一次性退稅。

許多拒絕是因為T2201表格的填寫方式，而非申請人不符合資格。我們免費審查被拒申請，找出問題所在，協助您重新申請或提出正式異議。

If your application is denied, we review the CRA response to understand the reason. Most denials are due to how the T2201 was completed, not the applicant's eligibility. We can prepare a Request for Redetermination or a formal appeal at no additional cost. Our denial recovery process includes re-coordinating with your medical practitioner and strengthening the functional-impact language.

If approved, you may be eligible for retroactive tax adjustments going back up to 10 years, depending on when your condition began and when it was certified by a medical practitioner. This can result in significant refunds. We coordinate the retroactive adjustment process with CRA as part of our standard service.

No. Our service is fully remote. We handle all coordination with your medical practitioner and CRA on your behalf. You will need to provide initial information through our eligibility assessment and sign authorization forms, but you do not need to visit our office or attend any in-person appointments.

The DTC itself is a non-refundable tax credit — it reduces the amount of income tax you owe. It does not affect most government benefits. In fact, DTC approval can unlock additional benefits such as the RDSP, Child Disability Benefit, and provincial programs. However, specific interactions with provincial disability programs vary by province, and we recommend consulting with your provincial benefits office if you have concerns.

The T2201 (Disability Tax Credit Certificate) is the official CRA form required to apply for the DTC. Part A is completed by the applicant (or their legal representative), and Part B must be completed and signed by a qualified medical practitioner who can certify the nature and extent of the impairment. At My Benefits Canada, we coordinate directly with your medical practitioner to ensure Part B uses precise, CRA-aligned functional impact language.

Yes. As of 2024, CRA accepts digital T2201 submissions through certified medical practitioners who use CRA's online portal. Your medical practitioner can submit Part B electronically, and you can submit Part A through My Account on the CRA website. My Benefits Canada manages the entire submission process on your behalf, whether digital or paper-based.

我們的費用僅收取追溯退稅的25%。無預付費用，無隱藏費用，只有在核准並收到追溯退稅後才收費。我們的費用結構符合《Disability Tax Credit Promoters Restrictions Act》（DTCPRA）。

如果您的申請未獲批准，您無需支付任何費用。我們的費用只會在批准後以及您收到 CRA 補發的退款後收取。

資格評估是免費的，在您的申請獲得批准和收到追溯退款之前，我們不收取任何費用。

是的。我們的收費結構完全符合「殘障稅收抵免促進者限制法」(DTCPRA) 的規定。在任何工作開始之前，我們都會提供一份書面協議，而且我們的收費是透明公開的。

不。我們的費用僅為追溯退款的25%。沒有前期費用，沒有月費，沒有諮詢費，拒絕申請也不收費。這一費用結構在任何工作開始之前以書面形式披露，完全符合《殘疾稅務抵免推廣者限制法》。

No. Processing times vary depending on CRA workload and your medical practitioner's availability. Regardless of how long the process takes, our fee remains the same: 25% of retroactive refunds, collected only after approval. There are no time-based charges or rush fees.

The Registered Disability Savings Plan (RDSP) is a long-term savings plan for Canadians with disabilities. DTC approval is a prerequisite for opening an RDSP. Once you are DTC-eligible, you can receive Canada Disability Savings Grants (up to $3,500/year) and Canada Disability Savings Bonds (up to $1,000/year) from the federal government, depending on your income.

We do not open or manage RDSP accounts directly. However, once your DTC is approved, we provide guidance on RDSP eligibility and can refer you to qualified financial institutions that offer RDSP accounts. Our role is to ensure you have the DTC approval needed to access the RDSP.

You can open an RDSP at any time while you are DTC-eligible and under the age of 60. However, government grants and bonds are available until the end of the year you turn 49, so earlier is generally better. Retroactive grants may also be available for up to 10 years.

Yes. If a child under 18 is approved for the DTC, the family may also qualify for the Child Disability Benefit (CDB), which provides a tax-free monthly payment of up to $3,322 per year (2024 amount). We coordinate both the DTC and CDB applications as part of our service.

Yes, anxiety and depression can qualify for the DTC if they cause a marked restriction in mental functions of everyday life. CRA does not assess based on diagnosis alone — they evaluate whether your condition significantly limits your ability to perform activities such as personal care, decision-making, social interactions, or managing daily tasks, even with treatment. Visit our depression and the DTC page for a detailed guide.

Yes, PTSD can qualify for the DTC if it causes a marked restriction in mental functions of everyday life. CRA evaluates the functional impact — such as difficulty with memory, adaptive functioning, problem solving, or managing personal care — rather than the diagnosis itself. Many individuals with PTSD experience restrictions that meet CRA's criteria, particularly when symptoms persist despite treatment.

Yes, autism spectrum disorder (ASD) frequently qualifies for the DTC. CRA assesses whether ASD causes a marked restriction in mental functions of everyday life — including adaptive functioning, social interactions, and the ability to manage personal care independently. Children with ASD may also qualify their families for the Child Disability Benefit. See our autism and developmental conditions page for more information.

Yes, bipolar disorder can qualify for the DTC if it causes a marked restriction in mental functions of everyday life. CRA evaluates the functional impact of manic and depressive episodes on your ability to perform basic activities — such as goal setting, judgment, adaptive functioning, and managing personal care — even with medication and therapy.

Yes, chronic pain conditions including fibromyalgia can qualify for the DTC if they cause a marked restriction in walking, dressing, feeding, or other basic activities of daily living. CRA assesses the functional impact — how much longer it takes you to perform these activities compared to someone without the impairment, or whether you are unable to perform them at all, even with medication.

Yes, multiple sclerosis frequently qualifies for the DTC. Depending on the severity and progression, MS can cause marked restrictions in walking, dressing, feeding, or mental functions of everyday life. CRA evaluates the functional limitations caused by MS, not the diagnosis itself. Many individuals with MS qualify under multiple categories of basic activities of daily living.

Yes. Significant vision loss (even with corrective lenses) or hearing loss (even with hearing aids) can qualify for the DTC under the seeing or hearing categories. CRA uses specific clinical thresholds — for vision, a visual acuity of 20/200 or less in the better eye, or a visual field of 20 degrees or less. For hearing, the impairment must be severe enough to markedly restrict your ability to hear in everyday situations.

The most common reason for DTC denial is insufficient functional impact language on the T2201 form. Many medical practitioners describe the diagnosis accurately but fail to describe the functional limitations in CRA's required terms — such as how long activities take, what the person cannot do independently, or how often restrictions occur. Other reasons include incomplete forms, missing signatures, or the medical practitioner not being a qualified certifier for the specific category of impairment.

If your DTC application is denied, you have 90 days from the date of the Notice of Determination to file a Notice of Objection with CRA. This triggers a review by the CRA Appeals Division — an independent review separate from the original assessment. You can also submit additional medical evidence to support your objection. My Benefits Canada reviews denied applications at no additional cost and can manage the objection process on your behalf.

Yes. You can file a Notice of Objection within 90 days of denial, or you can submit a new application at any time with updated medical evidence. Many denials result from how the T2201 was completed, not from ineligibility. A reapplication with properly documented functional limitations — using CRA-aligned language — often succeeds where the original application did not.

No. There is no additional cost to have your denied application reviewed by My Benefits Canada. If we take on your case, our standard contingency fee (25% of retroactive refunds) applies only if the application is ultimately approved. If it is not approved, you owe nothing.

The CRA Appeals Division typically takes 6 to 12 months to process a Notice of Objection for DTC applications, though timelines can vary. During this period, CRA may request additional medical documentation or contact your medical practitioner directly. My Benefits Canada monitors the objection process and responds to CRA requests on your behalf.

You can claim the DTC retroactively for up to 10 previous tax years, provided your medical practitioner certifies that your impairment existed during those years. CRA will adjust your tax returns for each eligible year, potentially resulting in a lump-sum refund of federal and provincial tax credits that were not previously claimed. The average retroactive refund ranges from $5,000 to $20,000 depending on your tax situation and the number of eligible years.

Retroactive DTC refunds are calculated by applying the federal and provincial DTC credit amounts to each eligible tax year. The federal DTC base amount for 2025 is approximately $9,428, which translates to a non-refundable tax credit of about $1,414 per year. Provincial amounts vary by province. The total refund depends on how many years you are approved for, your province of residence, and whether you had sufficient tax payable in each year to benefit from the credit.

At My Benefits Canada, retroactive tax adjustments are handled by a Chartered Professional Accountant (CPA) on our team. Once your DTC application is approved, we file T1 adjustment requests with CRA for each eligible tax year — up to 10 years back. You do not need to refile your tax returns yourself. The CPA ensures all eligible credits are claimed, including any provincial supplements.

Yes. If your DTC is approved retroactively, CRA will issue a lump-sum refund for all eligible prior tax years. This refund is typically deposited directly into your bank account if you have direct deposit set up with CRA, or mailed as a cheque. The refund represents the tax credits you were entitled to but did not claim in previous years.

The DTC is a non-refundable tax credit, which means it can only reduce your tax payable to zero — it cannot generate a refund on its own for years where you had no tax owing. However, if a supporting family member claimed you as a dependant, they may be able to transfer the unused portion of your DTC to their return. Additionally, DTC approval may unlock other refundable benefits like the Child Disability Benefit or the Canada Disability Benefit.

Yes. In addition to the federal DTC, each province and territory offers its own provincial disability tax credit with varying amounts. For example, Ontario's provincial DTC supplement is approximately $9,586 (2025), while Alberta's is approximately $16,635. The combined federal and provincial credit can significantly increase your total benefit. My Benefits Canada's Benefit Estimator calculates your estimated refund based on your specific province.

Yes. Several provinces offer additional disability support programs beyond the DTC. Ontario has the Ontario Disability Support Program (ODSP), British Columbia has the Persons with Disabilities designation under BC Employment and Assistance, and Quebec has the Solidarity Tax Credit supplement for persons with disabilities. DTC approval is often a prerequisite for these provincial programs. Contact us to learn which programs apply in your province.

Quebec administers its own provincial tax system through Revenu Québec, but the federal DTC application process through CRA is the same for all provinces. Once your federal DTC is approved, Quebec residents can also claim the provincial disability amount on their Revenu Québec tax return. My Benefits Canada handles both the federal CRA submission and coordinates the Quebec provincial claim.

The Canada Disability Benefit (CDB) is a new federal income supplement for working-age Canadians with disabilities. It provides up to $200 per month to eligible individuals who hold a valid Disability Tax Credit certificate and meet income thresholds. The CDB began payments in July 2025 and is administered by the CRA. DTC approval is a prerequisite — you must have a valid DTC certificate to receive the CDB.

Yes. A valid Disability Tax Credit (DTC) certificate is a mandatory prerequisite for the Canada Disability Benefit. You must be approved for the DTC before you can receive CDB payments. If you do not currently have DTC approval, applying for the DTC is the first step. My Benefits Canada can help you apply for the DTC, which will also establish your eligibility for the CDB.

The Canada Disability Benefit provides up to $200 per month ($2,400 per year) to eligible individuals. The actual amount depends on your income — the benefit is reduced as income increases above certain thresholds. The CDB is designed to supplement existing disability benefits, not replace them. It does not affect your DTC, RDSP, or most provincial disability programs.

是的。CDB允许最多24个月的追溯付款，追溯至2025年6月项目启动时。如果您现在获得DTC批准，您可能会收到一笔追溯一次性付款，涵盖自2025年6月以来的所有符合条件的月份。

CDB旨在不减少大多数其他联邦和省级福利。它不影响您的DTC、RDSP、老年保障金或加拿大养老金计划。大多数省份也承诺将CDB从社会援助计算中豁免。

当我们帮助您获得残疾税收抵免批准时，您自动有资格申请CDB。我们确保您的DTC申请完整且有充分文件支持。CDB追溯付款不受我们费用的约束，因为我们的费用仅适用于DTC追溯退税。