📢 Unlocking the Registered Disability Savings Plan (RDSP):
Once approved for the DTC, individuals under 49 years old can open a tax-sheltered **RDSP**. The Canadian government will match personal contributions with up to **$3,500 in grants annually** (up to a lifetime limit of **$70,000 CAD**), plus up to **$20,000 in bonds** for low-income families.
DTC Preliminary Eligibility Check
Answer these simple questions to assess your probability of getting approved for the credit:
Claiming Backdated Disability Credits
If you qualify for the DTC but did not claim it in previous years, the CRA allows you to request retroactive adjustments:
- The 10-Year Retroactive Rule: When filing Form T2201, check the box under Section 3 to request that the CRA automatically adjust your tax returns for **up to 10 previous calendar years** in which the impairment existed.
- Transferring to a Supporter: If the person with the disability does not have enough taxable income to utilize the non-refundable credit, the unused portion can be transferred to a supporting spouse, parent, child, or common-law partner.
- Child Disability Benefit: Parents of children under 18 who qualify for the DTC will also receive an additional monthly tax-free **Child Disability Benefit** added directly to their Canada Child Benefit (CCB) payments.
DTC Program Facts
Form RequiredForm T2201
DTC Claim LimitUp to $9,800 CAD/yr
Retroactive ClaimUp to 10 Years
RDSP MatchingUp to $70,000 CAD