Recommendations

• Apply for the disability tax credit independently

  The applicant is responsible for completing the entire form on their own.

  Pros

  • The applicant keeps 100% of any refund received from the CRA and all of their benefits.

  Cons

  • No professional guidance.
  • Has the highest rate of denials.

• Apply for the disability tax credit using professional assistance (Recommended)

  A professional prepares the application from the applicant's answers, in the terms the CRA assesses, for the applicant and their medical professional to review and sign.

  Pros

  • One flat fee of $49, returned in full if the applicant does not qualify.
  • The applicant keeps 100% of any refund received from the CRA (up to $40,000) and all of their benefits.
  • Done entirely online, from the comfort of home, on any phone or computer.
  • The completed 16-page application is crafted to match the keywords and terms the CRA uses for approval.

• Apply for the disability tax credit through a DTC company

  A company prepares and submits the application on the applicant's behalf, and charges a percentage of the benefits received.

  Pros

  • The company handles the application and follow-up with the CRA.

  Cons

  • Typically 25% or more of the refund and benefits, plus tax. On a $5,000 refund, that is $1,250 or more, plus tax.
  • The applicant usually authorizes the company to deal with the CRA on their behalf.