Calendario fiscal para familias con discapacidad

• RDSP: New calendar year — new $3,500 in CDSG matching grants available. If you haven't contributed last year's amount, you have until Dec 31 of THIS year to trigger carry-forward grants (up to 10 years).
• Review: Check your child's/family member's benefit status. Has anything changed? New diagnosis, turned 18, income changed?
• Prep: Start gathering receipts for medical expenses, therapy costs, equipment purchases, and mileage for medical travel from last year.

• T4s arrive: Employment income slips arrive by end of February. If you're on CPP-D, your T4A(P) arrives.
• RRSP deadline: Last day to contribute for previous tax year is March 1.
• T2201 review: If your DTC certificate is expiring this year, start the renewal process now. It can take 2-4 months for CRA to process.

• RRSP deadline: March 1 — last day for RRSP contributions for the previous tax year.
• Start filing: T1 tax returns can be filed starting late February/early March. File early for faster refund.
• DTC: If you haven't applied yet, do it now. It can be applied retroactively up to 10 years.
• Medical Expense Tax Credit: Gather all receipts. You can claim any 12-month period ending in the tax year — choose the period with the highest claim.

• DTC retroactive claims: File a T1 Adjustment (T1-ADJ) to claim retroactively for up to 10 previous years. This can result in a lump sum of $10,000-$50,000+.
• Child Disability Benefit: If approved for DTC, CDB payments start automatically. Check that they've started.
• Canada Workers Benefit: Disability supplement for low-income workers with the DTC. Claimed on tax return.

• National AccessAbility Week: Late May — awareness events.
• Review: First CCB/CDB payment adjustments after tax filing usually arrive May-July. Check your CRA My Account.
• Provincial programs: Some provincial benefit application windows open in spring. Check your province's disability services website.

• June 15 — Self-employed tax filing deadline. If you or your spouse is self-employed, you have until June 15 to file (but taxes owed are still due April 30).
• CCB recalculation: Amounts are recalculated in July based on your tax return. Check your CRA My Account.
• RDSP mid-year check: Have you made your contribution for this year?

• Provincial program renewals: Some programs (ODSP, AISH) have annual reviews. Check if yours is due.
• School prep: If your child needs an IEP for September, start the conversation with the school now.

• Back to school prep: Confirm IEP is in place, EA support is arranged, medical protocols are filed with the school.
• SEA claims: If your child needs special equipment at school (computer, FM system), make sure the school board has applied for SEA funding.
• Camp receipts: Disability-related camp costs may be claimable as medical or childcare expenses. Keep receipts.

• IEP meeting: Within the first month of school, request a meeting to review goals and accommodations.
• IPRC (Ontario): If your child hasn't been formally identified, request an IPRC meeting through the principal.
• RDSP reminder: If you haven't contributed yet this year, plan your contribution before December.
• FASD Awareness Day: September 9

• Mid-year review: Are you receiving everything you're entitled to? Use the Eligibility Calculator.
• Home renovation planning: Need accessibility modifications (ramp, bathroom, lift)? Get quotes now. Claim the Home Accessibility Tax Credit next spring (up to $20,000).
• World CP Day: October 6

• GivingTuesday prep: Donations to registered disability charities are tax-deductible.
• RESP to RDSP rollover: If your child won't attend post-secondary, you can roll RESP funds into their RDSP (up to $50,000 lifetime, must be DTC-eligible). Consider doing this before year-end.
• Epilepsy Awareness Month

• December 3 — International Day of Persons with Disabilities
• Medical expenses: Last day to incur expenses for the current tax year claim period. If you're close to the $2,834 threshold, consider prepaying January therapy sessions in December.
• Review: Compile all medical expense receipts for the year. Don't lose them.

1. Medical Expense Tax Credit — The 12-Month Window

You can choose ANY 12-month period ending in the tax year. If your expenses are clustered (surgery in November + therapy in January), you might get a better claim by choosing Nov-Oct instead of Jan-Dec.

2. DTC Retroactive Claims

If your child was diagnosed at age 5 but you didn't apply for DTC until age 8, you can claim retroactively for all 3+ years. This can be a lump sum of $15,000-$50,000+.

3. Either Spouse Can Claim

Medical expenses, DTC transfer, and caregiver credits can often be claimed by either spouse. Generally: lower-income spouse claims medical expenses (lower threshold = bigger credit), higher-income spouse claims DTC transfer (higher tax rate = bigger benefit).

4. RDSP Carry-Forward

Unused grant room carries forward for up to 10 years. You can catch up by contributing more in a single year — up to $10,500 in grants for a $4,500 contribution.

5. Attendant Care

If you pay someone to care for your family member so you can work, this may be claimable as attendant care (up to $10,000+). Separate from the medical expense tax credit.

6. Disability Supports Deduction

Expenses for services or products that help a person with a disability work or attend school. Separate from medical expenses.

7. The "Nobody Told Me" Problem

CRA does not proactively tell you what you qualify for. They process what you file. If you don't claim it, you don't get it. This is why Able Canada exists.