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.

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.

What if my doctor won’t complete and sign my application?

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.

What if I owe the CRA money? Will I still get a refund?

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.

Can I still apply if I’m on Employment Insurance?

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

Can I still apply if I’m on disability?

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

Can I apply on my own?

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

How much will I get back?

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.

How is it calculated?

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.

What disabilities/medical conditions can qualify?

There is no specific list of what conditions can qualify.

Click here for a list of common disabilities and medical conditions that may be approved.

What if I don’t have a doctor?

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

What role does my doctor play?

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.

How much does Swift charge?

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.

Who can qualify for the DTC?

Every individual is impacted differently and there is no specific list of conditions that qualify. In order to qualify individuals must:

  1. Have a doctor that can qualify their condition and how they are impacted
  2. Have been dealing with their condition for at least 12 months (or expect it to last 12 months)
  3. Be significantly restricted in at least one daily activity, such as:
  4. Taking longer to walk a short a distance,
  5. Trouble get dressed,
  6. Spending an inordinate amount of time in the bathroom (eliminating),
  7. Difficulties with vision,
  8. Difficulties with hearing,
  9. Difficulties with problem solving or decision making (mental functions), or
  10. Requiring the need for life-sustaining therapy (insulin, dialysis, etc.)