No they don’t deny everyone but it is your doctor who filled the forms out wrong, steer clear of NBA they take a nice chunk out of the initial lump sum you can back which I know you could use for more important things.

First off get your T2201 forms, for you I would say this is how it should look in section A to #1 yes, #2 no, #3 no, #4 yes, #5 yes (1, 4, and 5 are MUSTS to have it approved and you MUST have two of #4)

For section B

fill out “Walking” as markedly restricted, this is NOT at all like it sounds, and this is what you tell your doctor “because of my treatments I suffer from severe fatigue when walking, I get tired easily and need to stop, I must stop because of the fatigue when walking even a few meters. I also get fatigued and off balance when climbing stairs and try to avoid them whenever possible”. If you are on or end post cancer treatment these are all side effects that can last YEARS even after remission has been achieved due to side effects of chemo and radiation.

you will need your medical doctor or psychiatrist to fill out the “Mental functions necessary for everyday life section” they will most likely have it fall under this “Important – a restriction in problem-solving, goal-setting, or judgement that markedly restricts adaptive functioning, all or substantially all the time, would qualify.”

Under Effects of impairment, you MUST tell your doctor how your disability effects your everyday life in a way it would be seen as an impairment. “I get so tired and weak it takes me 5mins to walk a city block, my arms get weak when I raise them above my head and I have trouble brushing my hair and teeth. My mental impairment is so bad that there are times I am so depressed I do not go out of the house for weeks, I have trouble maintaining friendship, and forget appointments and other important things. I have troubles functioning multiple times everyday.”

Duration: It ONLY has to be said that it will last at least 12 months, if it is shorter than a year you are disqualified, it is OKAY for your doctor to say a year and put an expected recovery year of 12-36 months down the road, this just means it will be renewed at the end of that time period. Some people have to reapply every year, for us one son we have to reapply every 4 and the other not until he’s 18 (he’s 4 currently) this is because of the difference in severity between the two.

ANY cancer patient that is markedly restricted in at least TWO AREAS for at least 12 months can qualify, the papers just have to be filled out right. Do not be afraid to tell them exactly how it effects you, if you have to pee or have a bowel movement every hour and have to race to the bathroom so you don’t go in your pants tell them. If you are too exhausted to crawl out of bed some days, tell them. Anything that you think it too little to care about can show a pattern to them and show them that even though everyday it might not be the same symptoms restricting you there is always something limiting your daily life.

I have done COUNTLESS forms with people and have not had one person come back denied. I have filled out forms three times in total for my boys and never been denied. After all is said and done and you are approved, if it can go back farther then the government initially goes back all you do is write a letter to them and say “I was not told about this program until *X* date, my initial doctor incorrectly filled out that forms after that date and I was denied. I wish for the CRA to review my taxes from years *x* to *x* and apply the credit”. With all the families, and ourselves, this was all we needed and out claims were applied back to the date of diagnosis, or in our middle childs case birth since it was birth trauma. No payments to anyone, we got back $7635 for my oldest son and $6500 for our middle child (because of how soon we were able to do them they didn’t need to go back too far to correct), our neighbor I got her back $18,900 for her son. If you take off the fee NBA takes from you that is a LOT of money that could be used for other more important things…..our neighbor was getting evicted, they used the money they got back the down payment on a house that will be left to their son.

Most people with cancer alone would not qualify for the Disability Tax Credit. You would require 14 hours of chemotherapy per week to qualify. Mental illnesses are a tricky thing to capture on the DTC application, and your psychiatrist (if he/she were the one who signed it) probably does not have the expertise required to fill out the form ideally, or did not attach enough supporting information.

The National Benefit Authority charges 30% plus an application fee to do the work. We (HandyTax) do it at a much better rate. We look forward to hearing from you.

Take Care,

Jeremy

Let me explain.

Lets assume a 18 year old man or woman has a disability an income is low.
Parents buy a $20,000 dollar annuity which is guaranteed to pay $30,000 over 20 years. This money is put into an RDSP matching bonds and grants over the next 20 years equal $90,000. Lets assume a 3% growth on this money and in 20 years you have $164,000.

Key points are annuities change daily, but once bought are guaranteed. Banks can not/will not shop for best annuities. Also, the RDSP are a plus there still is a number of other things that can guarantee a lifetime of income for the young adult.

Question, is there any point in opening up a Registered Disability Savings Account? I have till the end of this year, just prior to turning 60 years, which is the cutoff date for opening it.

And my comment on the National Benefits Authority and the fee they charge for getting retroactive tax from Revenue Canada, one does not need them. I contacted one group that was similar and was told by the employee that I would not qualify for the DTC. Several years later I had a specialist do the application, Revenue Canada wantes some more information and then I got the DTC.

Similar types of entrepnreneural ventures exist with the application for the Green Card Diversity Lottery in the USA. The US government warns on their Diversity Visa website that there is no fee to enter and that sites posing under the facade of the US Government are charging a fee to enter. The US Government goes on to state it makes no difference in the outcome, your chances are not any better by using one of these companies.

I found a group called Plan.ca (website), all about benefits to persons with disabilities, and they do recommend the Royal Bank for the RDSP

Nice site. Check out this one sometime……