Disability Tax Credit (DTC)

This credit, which is available to anyone with a disability, is designed to help cover added expenses. It is a non-refundable tax credit that taxpayers with disabilities can use to reduce the amount of income tax they have to pay. People with a diagnosis of Childhood Apraxia of Speech are eligible. In order to be eligible, a medical professional has to fill out and sign the Disability Tax Credit Certificate, which then has to be approved by the CRA.

A registered disability savings plan (RDSP) is a savings plan intended to help parents and others save for the long term financial security of a person who is eligible for the disability tax credit (DTC).

Contributions to an RDSP are not tax deductible and can be made until the end of the year in which the beneficiary turns 59. Contributions that are withdrawn are not included as income to the beneficiary when they are paid out of an RDSP.