Have Type 1 Diabetes?

Know someone who does?

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Apply now for your guaranteed* Disability Tax Credit (DTC) Approval with Canadian Disability Tax Credit Institute (CDTCI).

The federal and provincial governments now support DTC's for Type 1 (T1) Diabetics; however, they won't chase you down to make sure you apply and claim your benefits.

You must initiate the DTC application.

Apply Now

Why choose CDTCI?

The tragedy is most T1 Diabetics are NOT getting their DTC and missing out on thousands of dollars each year! Don't YOU be one of them.

CDTCI gets you approved.

As of June 24, 2022 all Canadians living with T1 diabetes may automatically qualify for the DTC but only if you follow Canada Revenue Agency (CRA) instructions perfectly. Further, the new requirements will apply only to the 2021 tax year and onwards – it is not retroactive to prior years.

Our Guarantee*

We guarantee you will be approved for your T1 DTC for 2021 and 2022 and beyond or your money will be unconditionally refunded. Period!

No Hidden Costs

Our fee for getting your 2021 and 2022 DTC's is a flat, very low, one-time fee. Plus you will continue to benefit from our efforts every tax year forward at absolutely no extra cost to you. Read our FAQ to find out more. A one-time fee for a lifetime of benefits!

Fast Turnaround

CDTCI has perfected the process. From the moment you give us the okay to start your application, our case officers will dutifully manage and monitor your progress through the CRA and medical professional maze right up to your DTC approval. We are there for you after as well.

Brains, Talent and a HUGE amount of Effort

Brains, talent and a HUGE amount of effort, that's what you get with CDTCI. While we are a small, efficient team, some family, some awesome people who have worked with us in the past and a few peeps who found us through very kind words of mouth, you can be assured that we are working for you. Both the CRA and medical profession can be challenging to deal with, yet most are great people. We just know how to work through the obstacles and egos to make sure you get what you deserve.

Let's Get Started

Don't Trust CRA to Handle Your Retroactive DTC Claim Fairly

If you wish to benefit retroactively from the DTC for the years of living with diabetes prior to 2021, you will have to complete the form and justify that you meet the old, onerous requirements (14 hours/week minimum). This is not easy to do and more often than not CRA will reject on an arbitrary, ad hoc and deceitful basis. Without our expertise your success is doubtful! Just watch this short clip from CBC with Kim Hanson from Diabetes Canada outing CRA in a Big Lie in 2017 to understand the difficulties in dealing with CRA. It is and was abominable!

Click here to watch "The CRA Lied to Us About the Disability Tax Credit".

Are You Ready To Take Action?

Thousands of Dollars For Every Type 1 Diabetic

Apply Now!

Whether you take multiple daily injections...

or

use an insulin pump...

CDTCI will get you approved.

GET APPROVED NOW!

How we get YOU approved.

Full disclosure: Yes, you can do this on your own, but like everything, if you only ever do it once, you can really never master it. Do you want to risk being declined or delaying your DTC due to a simple filing error, your doctor not completing a form to the satisfaction of CRA, not knowing who to reach out to regarding a question or mitigating circumstance, not having the time for tenacious follow up and oversight? That's where we come in.

Step #1

Get In Touch

Click GET IN TOUCH. Answer a few very simple questions (i.e., do you have T1 Diabetes, year of diagnosis, etc.) and provide some personal information. If we determine you are eligible, simply say YES and let us start the process together straight away.

Step #2

The Application

We complete all necessary (CRA) and medical forms for your approval and for signatures. CDTCI follows a rigorous oversite, review and necessary follow up process prior to submitting your application to CRA to ensure the highest likelihood of success.

Step #3

The Follow Up

Throughout the entire process, we will communicate with your medical team of professionals, CRA and even your accountant, if needed, to ensure your file is approved. Our experience, research, knowledge, attention to detail and tenacity ensure your success. Guaranteed!

GET IN TOUCH

I want my DTC's

About Our Founder

A fighter with a smile, Tom was diagnosed with T1 diabetes on February 8, 1977. He has witnessed a lifetime of improvements and changes in how diabetes is managed and accepted. Always cognizant of his A1C's (tough but rewarding work) and pushing for better overall blood sugar control, he recently switched to a Tandem Insulin Pump along with Dexcom G6, leaving multiple daily injections behind for the first time since diagnosed. Having recently "retired" and spending most spring, summer and fall days on the golf course, low blood sugars were becoming a real issue so he switched to the pump and never looked back!

Around that time, Tom also asked his former endo to support a DTC application given all the reading, research and advocating Tom had been doing over the years. Surprisingly, his endo outright refused to entertain an application citing various reasons: the large amount of work required for the application; the "fact" he would most likely not get approved, claiming CRA was arbitrarily denying T1 DTC applications; he did not think a T1 could justify 14 hours per week to fulfil the DTC requirement. Hmmm. Tom disagreed and set to work, yet still tries to golf most days during the Ontario golf season!

This was the beginning of CDTCI.

Tom's sole purpose in founding and funding CDTCI (a federally registered not for profit corporation) is to help diabetics and others across Canada get what they are entitled to and more - all at a reasonable cost. Maneuvering through CRA and your medical team is daunting for most and often riddled with roadblocks, misinformation and delays. Our small but effective team has now perfected the process through trial and error and sheer determination. You can't lose with CDTCI! If you want to go it alone, go for it. Just remember, the first time Tom tried for the DTC, it took him well over 60+ hours, tons of frustration and he got declined! Don't let that happen to you.

FAQ's about CDTCI and DTC's

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Q: What is a Disability Tax Credit (DTC) exactly?

According to the CRA, the DTC is a non-refundable tax credit that aims to lessen the amount of income tax owed for recipients (and their supporters) with disabilities, or for parents of children with disabilities.

The DTC is broken down into both provincial and federal amounts, and while the federal portion is the same for every eligible Canadian, the provincial amount varies considerably between provinces.

If you’re a parent of a child under 18 with a disability, you may also be entitled to a supplementary amount called the “Child Disability Benefit”, which is a tax-free monthly payment.

Q: Who is the Canadian Disability Tax Credit Institute (CDTCI)?

The Canadian Disability Tax Credit Institute (CDTCI) is a not for profit federal corporation founded by Tom Ferguson, a T1 diabetic since February 8, 1977. CDTCI was created to assist T1 diabetics and other Canadians with disabilities to navigate through the often onerous and complicated process of getting approved for a DTC. CDTCI originated from the first hand experience and frustrations Tom faced when trying to get his DTC application approved. Our sole purpose is to assist Canadians with disabilities get approved and receive their eligible Disability Tax Credits.

Q: If I have Type 1 Diabetes, do I automatically qualify?

No but you are now automatically eligible. To qualify for the DTC, you must apply and be approved for the DTC's (both federal and provincial). The new requirements enacted in June, 2022 do make it easier to qualify but only for the 2021 tax year and forward. Moving forward from the 2021 tax year, CRA assumes managing T1 diabetes requires more than 14 hours dedicated to Life Sustaining Therapy. You may also be eligible for up to 10 years of retroactive DTC but this requires an extensive and detailed application process which we also offer for a fee of 25% of the achieved benefit. In the past, many DTC applications from diabetics have been denied for various reasons; including: incorrect information, inaccurate details, physician error filling out the forms, physician refusing to complete the application, arbitrary rejection, insufficient information, disallowed activities to meet the 14 hour per week minimum, etc. Whatever the reason the CRA's decisions to deny diabetics in the past, it is their lack of clarity and transparency that is (and has always been) their issue.

Q: Can I apply on behalf of family members?

You sure can. Just reach out and we'll set the process in motion. Often, you can apply for a family member, and in most cases, receive a refund on their behalf.

Q: Can I apply on behalf of a deceased person?

Yes, as long as the person has been deceased for under 10 years.

Q: I have Type 2 Diabetes but take insulin. Can I qualify?

Maybe. Many more details are required but here is a simplified, sort of, explanation. In order to qualify, you would need to meet all 4 criteria below. It will be difficult in most cases to qualify for DTC with Type 2 Diabetes.

1) Your therapy is needed to support a vital function and may include: dialysis, insulin therapy, oxygen therapy, chest physiotherapy, other therapies.

2) Your therapy is needed at least 2 times per week (for 2020 and previous tax years, the therapy is needed at least 3 times per week).

3) Your therapy is needed for an average of at least 14 hours per week, taking time away from everyday activities.

For 2021 and later: examples of what counts toward the 14 hours: activities related to adjusting and administering medication or determining the amount of a compound that can be safely consumed; maintaining a log related to the therapy; managing dietary restrictions related to therapy that either requires daily consumption of a medical food to limit a particular compound, or requires a regular dosage of medication that needs to be adjusted daily; Receiving life-sustaining therapy at home or at an appointment; setting up and maintaining equipment used for the therapy; time spent by another person to perform or supervise the therapy on behalf of a child or carry out activities like those listed above; time spent assisting a person who is unable to perform the activities related to administering the therapy because of the effects of the impairment(s); not included in the 14 hours: exercising managing any dietary restrictions or regimes that are not listed as included in the 14 hours; medical appointments that do not involve receiving the therapy or determining the dosage of medication, medical compound, or medical formula; obtaining medication; recuperating after therapy (unless medically required); time a portable or implanted device takes to deliver therapy; travel time to receive therapy.

For 2020 and earlier: examples of what counts toward the 14 hours: activities related to adjusting and administering medication; cleaning or maintaining equipment used to administer the therapy; maintaining a log related to the therapy; receiving life-sustaining therapy at home or at an appointment; time spent by the child's primary caregiver(s) to do or supervise the therapy or perform activities like those listed above; not included in the 14 hours: medical appointments that do not involve receiving the therapy; shopping for medication; time a portable or implanted device takes to deliver therapy; time spent on dietary restrictions or regimes, or exercising; travel to receive therapy; recuperation after therapy.

4) Your impairment has lasted or is expected to last for a continuous period of 12 months.

Should CDTCI decide your T2 diabetes case warrants an application and likelihood of success, we will be delighted to move forward with you. However, a T2 diabetic application would not qualify for our current 2021/2022 T1 diabetic application special pricing. Just reach out to us for more information.

Q: Can I only apply for the DTC when I do my tax return?

No. CDTCI can process your application any time of the year. CRA will automatically adjust your taxes based on the DTC claim once approved. We strongly suggest you move forward immediately as once you are approved under this new programme, you will likely never have to apply again, plus you will get your refund or credit sooner. The CRA website states that if you apply for DTC approval when you do your tax return, your assessment will be delayed.

Q: What if I don't work or earn an income?

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.

Q: I've asked my doctor about applying for the DTC, yet the refuses to complete and sign the form?

Doctors 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 sent, we will work with them to explain your case and attempt to change their mind. As of 2021, it is unlikely your doctor would refuse to sign after speaking with us. An application for years prior to 2021 may require a more difficult and forceful conversation with your Doctor by us.

Q: 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. Even though it may be challenging to find a family doctor in many Canadian centres, it would be very rare (we've never witnessed it) to be denied a referral to an endocrinologist or other specialist to assist in treating your T1 Diabetes.

Q: Can I make a claim for my child?

Yes, in fact, we are usually able to get additional credits for children under 18, and disabled adults who were 18 at any time in the past 10 years.

Q: How long does it take?

The majority of our clients receive their refund/credit within 4 months of their application being filed. The CRA website says you should get a response within 8 weeks. We expect it to be approved with no further action required, indefinitely, so that you will not have to do it each year in the future. However, tax years prior to 2021 will still need to be dealt with under the old, archaic, arbitrary rules of the CRA.

Q: My income is too low/high? Can I still file a DTC claim?

Income levels do not affect eligibility for the DTC. If your were under the age of 18 in any of the past 10 years, you may be eligible for additional credits. In order to maximize your claim, you can transfer the credit to a family member who has supported you/them.

Q: I owe taxes to the government! Should I still apply?

You bet and the sooner the better. Any DTC will be applied to your account and first offset any taxes owing. This will significantly reduce any further penalties, late payment fees and interest charges. CRA never goes away. The DTC can help you deal with any existing CRA balance owing. Don't delay!

Q: How much can I expect to get back from the government?

Like everything else...it depends.

For example, in 2021, a typical 30-year old T1 diabetic in Ontario with an annual income over $50,000 would receive a non-refundable DTC benefit of federal $8,662 @ 15% = $1,299.30 and Ontario provincial $8,790 @ 5.5% = $483.45 for a total of $1,782.75.

Now for 2022, the DTC and supplement for an Albertan T1 diabetic under the age of 18 and supported by a parent(s) would entitle the parent to a "refund" or reduction in their taxes of $5,076.00.

If you want us to file on your behalf for years prior to 2021, and we believe every T1 diabetic should consider doing this, the amount you get simply gets bigger and bigger should you qualify - up to about $50,000, in fact, depending on your province and circumstances. There is a different fee for this service outlined in the next question.

In general, CDTCI finds that for 2021 the annual refund a Type 1 Diabetic adult (and/or spouse) can receive is $1,750-$2,800 per year, while a child’s caregiver can receive up to $4,675 or more per year depending on the province in which you live.

Q: OK, this is awesome but what does CDTCI charge?

This is a two part answer.

First, with our Special Offer, CDTCI will prepare and file your DTC application for both 2021 and 2022 tax years for a flat fee of $250.00 plus applicable HST. This includes acting as your advocate for both CRA and your doctor. It does not include any fee charged by your doctor to complete the forms. This is your responsibility. CDTCI has seen this fee range from $0 (the majority) to $150. It is our hope and current understanding that once CDTCI gets you approved, further applications will no longer be necessary. This is based on our reading of the amendments on June 24, 2022 by the Government of Canada. In the prior question, we showed you how a typical T1 diabetic adult and/or their spouse or other family member could get back between $1,750 to $2,800 per year for tax years 2021 and 2022 and beyond. Even more for a T1 diabetic child's caregiver...up to $4,675 or more per year.

Second, if interested (and you should be), CDTCI will prepare and file your pre-2021 DTC application for up to 10 years retroactively on your behalf. This is a different and more complex offer. Our fee for this service is a 25% "Contingency/Partnership" fee plus applicable HST based on the amount of financial benefit you or your family/heirs receive from the Government of Canada and/or your provincial government. 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 with your application – we do not get paid unless you do. We must also reserve the right to decline moving forward on an application if CDTCI deems the probability of success unlikely. Within this pre-2021 application agreement, your doctor fees for completing the forms may be covered by us with advance notice and agreement.

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Numbers Prove The Results We Can Get

The chart below is from Diabetes Canada's reported numbers in 2021. The government will not disclose how many T1 diabetics are currently approved and claiming their DTC but we "guesstimate" based on anecdotal evidence that fewer than 5% of eligible T1 diabetics are getting their legitimate, legal government entitlement. Act now and start receiving your DTC benefits. DTC's are waiting for you to take action, get approved and then take advantage of this government programme for the rest of your life.

The government has approved DTC's for Type 1 diabetics; however, they won't chase you down to make sure you apply and claim your benefits.

You must initiate the application.

Get in touch now so we can help you get what you are owed.

5.7 Million

Canadians diagnosed with either T1 or T2 diabetes

300,000 to 500,000

Estimated T1 diabetics in Canada

Not Reported

The number of T1's currently with DTC approval and receiving their credits. CDTCI guesstimates less than 5%.

YES! This is awesome.

Get my DTC's now.

Here's What People Are Saying...

Daniel P.

Milton, ON CA

I have known the founder for most of my life. He was my AAA hockey coach when I was first diagnosed in 1999 and for many years after. In hindsight, what a bonus that was...having a T1 Hockey Coach telling my parents I was now a T1 Goalie! When Tom brought this programme to my attention recently, I had been to my endo three times since this awesome, mostly unknown, announcement in June, 2022 and NOT ONCE was it brought up at my appointments! Now I will get a nice big tax refund for my 2021 and 2022 taxes plus keep getting refunds each year for a long time.'' We are currently looking at going back even more years for my DTC's. CDTCI says, despite the challenges and complexity of the application, I should definitely do it!!!

Sarah L.

London, ON CA

I found out about CDTCI through a Google search when looking for help with the costs of diabetes. Both my son (age 7) and I have Type 1 Diabetes. As you can imagine, it is a real daily struggle and very, very expensive. We have both recently applied for our refunds with CDTCI and are now waiting for CRA to approve.'' The money we will save and get back as a refund from the government will be a big step in helping our family now and for our future. We are looking at a total refund of over $9,000 and this is for just 2021 and 2022. We will definitely be applying for previous years once this application is complete. This will change everything for us.

Reasons Why You Need Your DTC Approved!

Get or save thousands, even hundreds of thousands of tax dollars over your lifetime.

Reduce stress and costs of living with T1 diabetes

Peace of mind and a better life ahead for you

Find out more!

CDTCI gratefully acknowledges the support and efforts of the following organizations without which our success would not be possible.

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