Frequently Asked Questions (FAQs)

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What is the Disability Tax Credit (DTC)?

The Disability Tax Credit (DTC) is a non-refundable federal tax credit administered by the Canada Revenue Agency (CRA).
It is intended to help offset some of the additional costs faced by individuals who have a severe and prolonged impairment in physical or mental functioning.

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Is the DTC based on diagnosis?

No.
The DTC is not based on diagnosis alone. Eligibility is based on how a condition functionally limits daily activities, such as walking, thinking, communicating, or completing basic self-care tasks — even with treatment, devices, or supports.

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What types of impairments may qualify?

CRA evaluates eligibility based on functional impact, not condition names. Categories include:

• Vision

• Hearing

• Walking

• Speaking

• Feeding

• Dressing

• Eliminating (bowel or bladder function)

• Mental functions necessary for everyday life

• Life-sustaining therapy

• Cumulative effect of significant limitations in more than one area

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Examples of Conditions That May Qualify

Eligibility is based on functional impact (and that's our speciality; defining that functional limitation), not diagnosis alone. Examples of conditions that may qualify (depending on functional limitations) include, but are not limited to:

• Neurological conditions (e.g., stroke, MS, Parkinson’s, traumatic brain injury, dementia, Alzheimer’s)

• Developmental or cognitive disorders (e.g., autism spectrum disorder, intellectual disability)

• Mental health conditions (e.g., severe depression, bipolar disorder, schizophrenia)

• Chronic pain or fatigue conditions

• Respiratory disease (e.g., severe COPD)

• Mobility-limiting arthritis or musculoskeletal disease

• Sensory impairments (vision or hearing loss)

• Conditions requiring life-sustaining therapy​

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Do I need a family doctor or nurse practitioner for referral?

No.
You do not need a referral or a family doctor to access our services. While you may already have a primary care provider, our services are separate and are not provincially covered. Your doctor or nurse practitioner could also charge for these forms and assessments, but many clients choose Insight because we specialize in completing forms and documentation with the proper professional language, ensuring accuracy and compliance — a key reason clients trust us.

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Who provides your assessments?

To assist you with forms, documentation, and assessments, our team may help retrieve or collect relevant health records on your behalf. Only designated staff — such as reception team members or licensed nurses (RPN/RN) — are involved in this process. All assessments, certifications, and professional documentation are completed exclusively by a licensed Nurse Practitioner, a regulated healthcare professional authorized to assess and certify disability-related impairments under CRA guidelines. This ensures your information is handled securely and professionally, while all official forms and letters meet legal and regulatory requirements.

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Are your services virtual or in person?

Our services are virtual only.

If an in-person assessment were clinically required, this would be identified at the time of initial assessment, and you would be informed and referred appropriately.

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Do you complete the DTC form?

Yes.
We complete and certify Part B of CRA Form T2201 – Disability Tax Credit Certificate, based on a comprehensive functional assessment and review of supporting documentation. We can also assist you with Part A of the form.

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Do you guarantee approval?

No.
We do not guarantee approval, refunds, or financial outcomes.
CRA makes all final decisions.

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What is an RDSP? 

An RDSP (Registered Disability Savings Plan) is a long-term savings plans for individuals to: 

- Save for the future

- Receive government grants and bonds

- Grow savings tax-deferred

- Are opened and managed through financial institutions (banks, credit unions)

- Designed to help individuals save for the future

- Eligible for government grants and bonds, depending on income and contribution history

A RDSP can only be opened after the Disability Tax Credit (DTC) is approved.

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Do you open or manage RDSPs?

No, Insight Disability Solutions does not open, manage, or administer RDSps. They must be set up directly through a financial institution.

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Our role is limited to:

Functional health assessment

- Medical documentation support

- CRA-aliggned completion and review of the DTC application

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Do you provide a receipt?

Yes.
We provide a receipt for all services rendered, which may be used for personal records or tax purposes where applicable. 

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Is your fee contingent on approval?

No.
Our fee covers the professional assessment, documentation review, and form completion, not CRA approval.

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What does your service fee include?

Our service includes:

• Intake review and functional assessment

• Review of medical history and documentation

• Completion of CRA-appropriate functional wording

• Certification by a Nurse Practitioner

• Audit-ready documentation standards

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What does your service NOT include?

• Filing the application with CRA

• Communicating with CRA on your behalf

• Estimating tax refunds or dollar values

• Legal or accounting advice

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Will you submit the form to CRA for me?

No.
You (or your tax professional) are responsible for submitting the form and corresponding directly with CRA.

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Can children apply for the DTC?

Yes.
Children of any age may be eligible if they meet CRA’s functional criteria. A parent or legal guardian must be involved in the process.

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Can seniors apply?

Yes.
Age alone does not qualify someone, but age-related impairments may qualify if they cause significant functional limitations.

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Can I apply retroactively?

Yes.
If CRA determines you met eligibility criteria in previous years, the DTC may be applied retroactively (often up to 10 years, depending on circumstances).

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How long does the process take?

• Assessment & form completion: typically 1–2 weeks once all documentation is received

• CRA review: varies and is outside our control (often weeks to months)

 

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What happens if CRA denies my application?

You may:

• Request a second review, or

• File a formal objection, and

• Submit additional supporting medical information

We can explain the clinical reasoning used but do not represent clients in disputes with CRA.  We have a dispute fee that will be disclosed at time of request if needed depending on the amount of work needed to complete the new application.

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What if I am not eligible?

If CRA criteria are not met, we will document findings honestly and ethically.
We do not certify applications that do not meet CRA standards.

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Can I be reimbursed for a paid assessment or form?
Yes. In many cases, fees paid for forms, functional assessments, or professional documentation can qualify for tax credits or deductions, such as the Disability Tax Credit (DTC) or caregiver-related credits. Clients should keep their receipts and consult CRA guidelines or a tax professional when filing for reimbursement.

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How do divorced or separated parents apply?

• Typically, only one parent can claim a dependent per year for tax purposes.

• Parents should agree on who will claim the dependent for each tax year.

• If custody or care arrangements change, the claim may alternate annually or as specified in legal/court agreements.

• Our service can provide the same functional assessment/documentation for whichever parent is claiming, ensuring the form is accurate and ready for submission.

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Is my personal health information secure?

Yes.
All personal health information is handled in accordance with PHIPA/PHIPPA privacy legislation using secure systems.

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Is this service available in Ontario and Nova Scotia?

Yes.
Our virtual services are available to eligible clients in Ontario and Nova Scotia, subject to regulatory scope.

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Do I need to be working to qualify?

No.
Employment status does not determine eligibility. Functional impairment does.

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Can a caregiver or family member be involved?

Yes.
Caregivers may provide important collateral information, especially for children, seniors, or individuals with cognitive impairment.

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Can you help if the applicant is deceased?

In certain circumstances, yes — particularly for retroactive claims. Additional documentation is required.

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Where can I learn more about the Disability Tax Credit?

Official CRA resources:

• Disability Tax Credit overview:
  https://www.canada.ca/en/revenue-agency/services/tax/individuals/segments/tax-credits-deductions-persons-disabilities/disability-tax-credit.html

• How to apply for the DTC:
  https://www.canada.ca/en/revenue-agency/services/tax/individuals/segments/tax-credits-deductions-persons-disabilities/disability-tax-credit/how-apply-dtc.html

• CRA eligibility categories explained:
  https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/rc4064/disability-related-information.html

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How Do I Get My Health Information (Labs, Imaging, Records)?

If you need your medical information to support forms or documentation (such as functional verification letters or forms for disability credits, accommodations, parking permits, etc.), you can access that information yourself from the healthcare providers and systems that hold it. Here’s how it works in Ontario and Nova Scotia:

 

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Ontario – Accessing Your Records

​Patient Portals & Online Records

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Many Ontario hospitals and health systems offer secure patient portals where you can view your health information including lab results, imaging reports, visit summaries, and more:

• ConnectMyHealth – a digital platform to view hospital records from participating hospitals in Southwestern Ontario. ConnectMyHealth

  • Learn more: https://registration.connectmyhealth.ca/

• MyChart / Local Hospital Portals – some hospitals (e.g., Northumberland Health Network) use MyChart to give patients online access to results and records. Northumberland Hills Hospital

• “my health care” Portal – secure access to electronic records from partner hospitals including lab results, imaging reports and visit history. Rvh Ontario

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Lab Results from Independent Providers

• LifeLabs: Sign up for MyCareCompass to view lab results online (usually available 24–48 hours after the test). LifeLabs

  • If you want a hard copy, you can request an Access Form from LifeLabs and submit it. LifeLabs

• Dynacare: Similar online access may be available; contact Dynacare directly or use any patient portal they provide.

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Medical Imaging

• PocketHealth: A third‑party service that lets you view, download, and share imaging records and reports online. PocketHealth

  • Sign up at: https://www.pockethealth.com/

 

Nova Scotia -Accessing Your Records

YourHealthNS App / Portal

Nova Scotia Health offers the YourHealthNS platform for residents with a valid Nova Scotia health card:

• Create/access your My NS Account and sign in to YourHealthNS to view your health records including visits, lab results, imaging, medications and more. Nova Scotia Health

• You can also generate a Patient Summary that can be shared securely with a PIN or link. Nova Scotia Health

• Learn more & sign up: https://YourHealthNS.ca

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What If the Records Aren’t Online?

Not all clinics or providers are connected to online portals. In those cases, you can request your records directly from the provider’s Health Records or Release of Information department. You may need to:

• Submit a consent form

• Provide a copy of your government ID

• Pay a small administrative fee (this varies by provider). 

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How Insight Uses Your Health Records

To assist you with forms and documentation (e.g., disability tax credit letters, parking permits, caregiver assessments, etc.), Insight may need to review relevant medical information such as lab results, imaging, or specialist reports.

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Before we access any of your health information on your behalf, we’ll ask you to complete a PHIPA/PHIPPA consent form. This form:

• Gives us permission to retrieve or review your personal health information

• Is compliant with privacy legislation in Ontario and Nova Scotia

• Can be signed and returned to us (we can fax or securely receive it)

• Ensures your information is protected according to the law

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This consent form allows us to work with your records ethically and legally when preparing professional documentation and completing forms.

 

 

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Helpful Links & Resources

• LifeLabs – access your results: lifeLabs.com (sign up for MyCareCompass) LifeLabs

• PocketHealth – imaging access: https://www.pockethealth.com/ PocketHealth

• ConnectMyHealth – Ontario patient portal: https://registration.connectmyhealth.ca/ ConnectMyHealth

• YourHealthNS – Nova Scotia health records: https://YourHealthNS.ca Nova Scotia Health

 

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Summary: Getting Your Info

✔ Many health records and test results are now available online through secure portals.
✔ If records aren’t online, you can request them directly from the provider with consent and ID.
✔ Insight will provide a PHIPA/PHIPPA consent form so we can access or review records as needed for your documentation.

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Insight Disability Solutions — Where Health Insights Become Eligibility.

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