EFS Staff

Our deepest thanks go to Elaine McAndrew, of the Cowichan Valley chapter of the Canadian Federation of University Women.  Elaine wrote a great article for the CFUW newsletter last year, and we are pleased that she chose to share it with us.

We hope you find the article useful.  Please call us if you have any questions.


Do You Qualify for the Disability Tax Credit?

by Elaine McAndrew


There are a number of firms that are assisting Canadian citizens to access the disability designation

for Canada Revenue Agency. The government has provisions for those who are disabled but it is not

easy to go through their hoops. One of the specialists in the Disability Tax Credit business came to

Arbutus Ridge recently. Linda Chornobay, Enabled Financial, presented the information and a number

of Ridgers attended. I was interested but unable to get to the presentation so I called Linda and she

came to my home to give me the information. She could see that I was disabled by arthritis, asthma,

mobility problems and Chronic Obstructive Pulmonary Disease. COPD is rare in non-smokers but I

have it.

For a long time I have been disabled and talked to both of my doctors over a number of months and

they were somewhat non-committal. One thought I was looking for a Handicap parking permit but I

have had one for 15 years. It’s just not their area of expertise. All I was looking for initially was the

disability claim in the non-refundable tax credits for the future on income tax. The rules really

discouraged me from applying. Canada Revenue Agency operates on a system that requires the tax

payer to make the effort to find out about the system. I read the documents and decided it was just

too difficult.

I would not have pursued the Disability Tax Credit if I had not met Linda. She knew a lot more

than I did and more than my doctors did about the Disability tax credit. She knew what to do and how

to do it. She said I could go back 10 years of payments to Canada Revenue. Nowhere have I seen that

in the application documents. I provided the Assessment Notices from CRA and received a cheque

for all of the Federal Income Tax I had paid over the last 10 years! They even paid me interest on

the refund. It took just about four months and, as I have said before, I would not have had the

patience to pursue this on my own.

We all know people who are disabled by blindness, Alzheimer’s, bladder problems, transplants, knee

and hip replacements and many more conditions and they should know if they are eligible for the

Disability Tax Credit.

Linda asks for $100 to set up the file plus 30% of PAST payment to CRA. This seemed entirely

reasonable to me and I was pleased to pay for past tax payments. This 30% charge ends and future

income tax returns are not included in the 30% charge. Again, I must say that I would not have pursued the Disability Tax Credit on my own.