Frequently Asked Questions The below FAQs are common questions we get from customers. For more clarification or if you have any other questions – please give us a call and we would be happy to answer all of your questions.

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.

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

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.

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.

This is not a scam! We don’t charge you anything until you’ve been paid by the CRA. We keep all medical and personal information secure. We are an approved EFILE service provider. Check out our reviews on Facebook.

Working with Swift Disability Services

Swift charges a contingency partnership fee of 24% on the total refund received from the CRA. We charge no upfront fee, and no fees at all throughout the process. There is no fee if we are unsuccessful in gaining DTC approval. This partnership agreement is aimed at insuring we are highly motivated to succeed in your application – as we do not get paid unless you do.

Each year going forward you will save between $1,500 and $4,500 in income taxes payable. We do not charge a fee or share in any of this benefit. This belongs 100% to you.

Swift understands how to get you approved. We handle every aspect of your application. We work with you, your doctor, and the CRA to ensure that your application has the best chance of success.

More About The Disability Tax Credit

The Disability Tax Credit is a non-refundable tax credit provided by the CRA to reduce the amount of income tax paid on an annual basis. Many individuals are unaware that they or their child may qualify. In order to qualify an individual needs to be suffering from a medical condition that significantly impacts their
daily life. This condition needs to be verified by a doctor, and the application from must be signed by both the individual and their doctor.

Once approved, individuals can go back up to 10 years and claim a tax refund for the years they were suffering from their condition. This can equate to $45,000+ in payments from the CRA.

There are a few key reasons why more than 1 million Canadians have yet to qualify for the DTC:

The term “disability” – Individuals often think that in order to qualify you must be unable to work. In reality, in order to claim the credits and receive a refund from the CRA – you and/or your spouse must be paying taxes! As a result of this misconception, thousands of Canadians believe the should not apply.

  • A complicated process – Arguably the biggest challenge of obtaining DTC approval is learning how to complete the process and what information to include on the form.
  • Lack of awareness – The tax system is not easy to navigate and the CRA does not make an effort to educate Canadians on tax matters. Thousands of Canadians are unaware that their health condition may qualify or that the DTC even exists.

Click here for a list of common conditions that may qualify

We estimate that over 2 million people in Canada could qualify for the Disability Tax Credit. Less than 50% of these people have currently been approved. That means more than 1 million Canadians may be eligible for the DTC and a refund from the CRA!

The Application and Your Refund

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.

Doctor’s are often unaware of what criteria is truly necessary to qualify for the DTC. If your doctor is unwilling to sign-off on your application, we will work with them to explain your case and attempt to change their mind.

If you owe money to the government, the CRA will deduct the amount owing from your tax credit refund, and then pay the remaining balance directly to you. For example, if Swift was able to get you a $30,000 refund from the CRA, and you currently owe $10,000 to the CRA, the CRA will issue you a payment of $20,000 and your balance owed to the CRA will be $0.

Yes! You can still apply but will need to have been paying taxes if you wish to claim a refund from the CRA.

Yes! You can still apply but will need to have been paying taxes if you wish to claim a refund from the CRA.

Yes, individuals can apply for the DTC on their own. The T2201 Tax Credit Certificate is available on the CRA’s website.

This depends on the province of residence, as well as the number of years with the disability. This can range from $1,500 – $45,000.

The DTC is comprised of a Federal tax credit amount and a provincial tax credit amount.

Individuals can claim 15% of the federal tax credit which equates to $1,235 for 2018.

Individuals can claim 5%-10% of the Provincial tax credit, which equates to $500-$1,500.

Depending on the province of residence, Individuals can expect to earn between $1,700 – $2800 for each year they have suffered with their condition.

An additional amount of approximately $2,000/yr may be claimed if the individual is under 18 years old.

We recommend that you get a doctor immediately. Without a doctor, you will not be able to make a case for DTC approval.

Your doctor is a crucial component of a successful application. Your doctor is required to sign-off on your condition and how it impacts you. Without your doctor’s alignment, you will not gain approval.