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Financial Training and Educational Tools

Plan Institute – A nonprofit that offers training sessions on how to apply for the Disability Tax Credit and how to open a Register Disability Savings Plan (RDSP).

Prosper Canada – A national charity dedicated to expanding economic opportunity for Canadians living in poverty through program and policy innovation. They offer the following financial tools:
  • Disability Benefit Compass – Provides information about the four key disability benefits for persons with disabilities in Canada.
  • Benefits Wayfinder – A free online tool that simplifies the search for government benefits for people seeking ways to boost their incomes and reduce expenses.

Canada Revenue Agency

Disability Tax Credit – The disability tax credit (DTC) is a non-refundable tax credit that helps people with impairments or their supporting family members reduce the income tax they may have to pay.

Canada Caregiver Credit – The Canada Caregiver Credit (CCC) is a non-refundable tax credit available to those who support a spouse, common-law partner, or dependent with a physical or mental impairment.

Child Disability Benefit – This is a tax-free monthly payment to families who care for a child under age 18 with a severe and prolonged physical or mental impairment.


Government of Canada

Government of Canada Disability Benefits – Includes disability pensions and children’s benefits, savings plans, and a gasoline tax refund program.

Canada Pension Plan (CPP) Disability Benefits – The Canada Pension Plan (CPP) disability benefit is a monthly payment you can get if you are under 65, have made enough contributions to the CPP, have a mental or physical disability that regularly stops you from doing any type of substantially gainful work, and have a disability that is long-term and of indefinite duration or is likely to result in death.

Canada Pension Plan (CPP) Children’s Benefit – This is a monthly payment your children may be able to get if you are receiving the Canada Pension Plan Disability Benefit. Children must be under 18 or under 25 and attend a recognized school or university full-time.

Registered Disability Savings Plan – The Registered Disability Savings Plan (RDSP) is a long-term savings plan to help people with disabilities who have been approved for the Disability Tax Credit to save for the future.

Federal Excise Gasoline Tax Refund – If you have a permanent mobility disability that prevents you from safely using public transportation, you can apply for a refund for some of the gas you buy.


Education Funding for People with Disabilities

Canada Student Grant for Students with Disabilities – Financial assistance for students with a permanent disability enrolled at a post-secondary school.

Canada Student Grant for Services and Equipment (Students with Disabilities) – Grants towards tuition, textbooks, and accommodation costs for eligible students with a permanent disability.

Student Aid and Education Planning – Opportunities to have your student loan forgiven if you have a severe and permanent disability that prevents you from pursuing further post-secondary education and working.



Exploring Financial Supports for People with Disabilities – September 2023

Financial Health for Families of People with PH – June 2022