The Disability Tax Credit (DTC) is a non-refundable tax credit that reduces the amount of income taxes eligible Canadians are required to pay on an annual basis.

It is one of the most under-utilized tax credit benefits offered by the Canadian tax system.

It is estimated that less than half of the individuals who may qualify for the DTC are currently claiming the tax credit. People often believe that only severe disabilities and injuries can qualify, but this is not the case.

The average Swift client receives more than $10,000 in refunds from the Canada Revenue Agency from overpaying taxes in previous years.

Individuals and families can receive more than $45,000 in refunds depending on the province they live in, how long they have suffered, and their taxable income.

The application process can be very difficult to navigate.

Do I Qualify?
The Disability Tax Credit (DTC) is a non-refundable tax credit that reduces the amount of income taxes eligible Canadians are required to pay on an annual basis.
Lack of education amongst doctors and individuals suffering with health conditions results in less than 50% success rate for Canadians who apply on their own

Swift can get you approved in less than 60 days. Begin your partnership with Swift Disability Services today and get paid up to $45,000 from the CRA in less than 60 days. We’ll do the work, just give us a call.
Obtaining DTC approval can unlock significant financial benefits. Qualifying for the Disability Tax Credit can earn you money via two different avenues:
  • Retroactive Refund Retroactive Refund Individuals who have suffered from a health condition in previous tax years, but have not yet gained approval for the DTC, are able to claim a tax adjustment to claim the tax credits they missed out on. We can do an adjustment going back up to 10 years, which can result in up to $45,000 in refunds. 1
  • Future Savings Once approved, tax-paying households can save up to $4,500 in taxes paid annually. In addition to the retroactive fund, DTC eligibility is a prerequisite for other programs such as the Canada Disability Benefit, Canada Worker’s Benefit, and the Registered Disability Savings Plan (RDSP). 2

Search FAQs

What if I don’t work?

You can still qualify! Many individuals who don’t work still pay taxes (disability payments from their employer, pension income). Additionally, in many cases, we are able to transfer credits to a spouse or family member in the instance that the individual with the disability does not pay taxes.

Can I apply on behalf of a deceased family member?

Yes! As long as the individual has been deceased for less than 10 years.

Can I apply for a family member?

Yes! Give us a call.

Should I apply if I don’t have a job?

The simple answer is yes. In order to receive a refund, however, you or your spouse need to have been paying taxes in previous years. Just because individuals aren’t working does not mean they haven’t paid taxes.

How can I tell if I pay taxes?

Paying taxes means any contribution to the CRA as a result of earning income. Individuals who earn working wages, pension income, RRSP income, disability income, and dividend or investment income are some examples that will typically result in paying taxes.

What happens if I’ve been denied?

Many people are denied on their first or even second attempts. Often when individuals apply on their own, they are denied as they don’t understand the “tricks” to a successful application.

We have a strong track record of getting previously denied individuals approved.