The Disability Tax Credit (DTC) and Registered Disability Savings Plan (RDSP) are among the most valuable financial tools for Ontario autism families — and most families leave significant money on the table. This guide explains both in plain language.
The Disability Tax Credit (DTC) and Registered Disability Savings Plan (RDSP) are among the most valuable financial tools for Ontario autism families — and most families leave significant money on the table. This guide explains both in plain language.
Two federal programs provide significant financial support for autism families — and many families either don't know about them or don't claim them correctly. Here's everything you need to know.
The Disability Tax Credit is a non-refundable federal tax credit that reduces the amount of income tax payable. For autism families, it can mean $1,500–$3,500+ per year in combined federal and Ontario provincial savings.
Your child qualifies for the DTC if they have a severe and prolonged impairment in one or more of the following functions:
For autism, the relevant criteria under "mental functions necessary for everyday life" include:
The key question the CRA asks: Does your child require extensive and frequent supervision for protection?
For most autistic children who need support with daily activities, the answer is yes.
2025 tax year amounts:
| Tax | Federal | Ontario (provincial) |
|---|---|---|
| Base disability amount | $9,872 (federal credit) | $9,671 (provincial credit) |
| Supplement for under 18 | $5,758 additional | Provincial equivalent |
| Approximate annual savings | $1,500–$2,300 | $500–$1,200 |
Total annual benefit: approximately $2,000–$3,500
If you transferred the credit to a supporting family member (parent), the savings apply to their tax return.
This is the most overlooked benefit. If your child was diagnosed years ago and you haven't been claiming the DTC, you can request a retroactive adjustment for up to 10 years of past returns.
A family who missed 7 years of DTC claims could receive a $14,000–$24,500 refund from CRA (plus provincial).
Step 1: Download Form T2201 Available at canada.ca/en/revenue-agency. Download the most current version.
Step 2: Have a Qualified Practitioner Complete Part B The following can certify the disability:
For autism, use the psychologist who completed the diagnostic report, or your pediatrician.
The certifier must attest that the impairment has lasted or is expected to last 12+ months and is present 90%+ of the time.
Step 3: Submit to CRA
Step 4: Wait for CRA Approval Processing: 8–12 weeks. CRA may request additional information.
Step 5: File Amended Returns Once approved, file T1-ADJ (T1 Adjustment) for prior years. Use "My Account" on canada.ca for easiest submission.
❌ Describing your child's best days — describe their typical day, including worst days ❌ Using clinical language without explaining impact — explain what the disability means for daily life ❌ Not applying because you think they won't qualify — apply and let CRA decide ❌ Forgetting the supplement for under 18 — this nearly doubles the benefit ❌ Not claiming the retroactive period — 10 years of back payments
The RDSP is a long-term savings plan for people with disabilities. It works similarly to an RESP but for disability support rather than education. The federal government contributes matching grants and bonds on top of your deposits.
You must have a valid DTC approval to open an RDSP.
The government matches your contributions based on family income:
| Family Net Income (2025) | On first $500 contributed | On next $1,000 contributed | Maximum annual grant |
|---|---|---|---|
| Under $111,733 | 300% ($1,500) | 200% ($2,000) | $3,500 |
| Over $111,733 | 100% ($500) | 100% ($1,000) | $1,500 |
You contribute $1,500/year → government adds $3,500/year (if under the income threshold).
Low-income families receive bonds without needing to contribute anything:
| Family Net Income | Annual Bond |
|---|---|
| Under $34,863 | $1,000 |
| $34,863–$53,359 | Partial (graduating) |
| Over $53,359 | $0 |
Families can receive grants AND bonds in the same year.
Assume a family in the lower income bracket (qualifies for maximum grant + bond):
| Year | Family Contribution | Government Grant | Bond | Growth (5% return) |
|---|---|---|---|---|
| Year 1 (age 2) | $1,500 | $3,500 | $1,000 | $6,000 |
| By age 18 | $24,000 | $56,000 | $16,000 | $170,000+ |
The RDSP has a lifetime limit of:
Grants and bonds are available until age 49. Contributions can be made until age 59.
The RDSP is designed for long-term savings. Key rules:
The RDSP does not affect ODSP eligibility. RDSP assets are fully exempt from ODSP asset tests. This is a significant benefit for families who may rely on ODSP in the future.
Starting in 2025, the federal Canada Disability Benefit (CDB) provides up to $2,400/year ($200/month) to working-age adults with disabilities.
This benefit is primarily for autistic adults, but it demonstrates the importance of maintaining DTC approval throughout life.
For a newly diagnosed 3-year-old whose family qualifies for all programs:
| Program | Annual Value | Cumulative (to age 18) |
|---|---|---|
| DTC federal | ~$2,300 | ~$34,500 |
| DTC Ontario | ~$1,200 | ~$18,000 |
| RDSP grants | $3,500 | $56,000 (max) |
| RDSP bonds | $1,000 | $16,000 (max) |
| RDSP growth | Variable | $50,000–$100,000+ |
| Total | $174,500–$224,500 |
This money exists. Apply for it.
Sources: Canada Revenue Agency, Employment and Social Development Canada, Government of Ontario.
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