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
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
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.