Claim your disability benefits yourself.
Plain-language checkers and calculators for the Disability Tax Credit, the Canada Disability Benefit, RDSP grants and CPP Disability. See if you might qualify, what it could be worth, and what to do next.
No sign-up. Nothing you type is saved or sent anywhere.
- 91% of the 327,100 Disability Tax Credit certificates CRA decided in 2024 were approved.
- 10 years of past tax returns CRA can adjust, when you tick one box on the form.
- $0 to apply. None of these programs charges a fee, and nobody needs a share of your refund.
One approval opens the others
The Disability Tax Credit is the key. Once CRA approves it, you can also get:
- Ages 18 to 64
Canada Disability Benefit
Up to $204.20 a month from July 2026, based on income.
- Savings
RDSP grants and bonds
Up to $3,500 a year in grants and $1,000 in bonds, until the year of age 49.
- Families · canada.ca
Child Disability Benefit
An extra monthly amount for families with an eligible child under 18.
CPP Disability is separate. It's for people who paid into the Canada Pension Plan and can't work regularly anymore, and it doesn't need the tax credit. Check CPP Disability.
The six free tools
- Tax credit
Disability Tax Credit checker
Go through the categories on Form T2201 in plain words and see which route fits.
- Tax credit
Tax credit refund estimator
What the credit could be worth this year and for up to 10 past years.
- Monthly benefit
Canada Disability Benefit estimator
The income test, done for you. Up to $204.20 a month from July 2026.
- CPP
CPP Disability calculator
Check the contribution rule, estimate the monthly amount and see how much back pay is at stake.
- Savings
RDSP grant and bond estimator
How much the government adds to a disability savings plan at your income.
- Deadlines
Appeal deadline tracker
Turned down? Find the last day to object, ask for reconsideration or appeal.
Free help, before anything else
You don't need to pay anyone to apply for these programs. If you'd like a person to help you, start here:
- Disability benefits navigation organizations: non-profits the federal government funds to help people apply for the tax credit and the Canada Disability Benefit.
- Disability Alliance BC: step-by-step support with tax credit applications, renewals, denials and appeals, for British Columbians.
- Free tax clinics: volunteers file tax returns for people with a modest income and a simple tax situation. Filing matters, because several of these benefits are based on your return.
- Plan Institute's RDSP site: how to open a disability savings plan.
You never need to pay a share of your refund. Applying is free. Since November 15, 2021, the Disability Tax Credit Promoters Restrictions Act has capped what a promoter can charge for a disability tax credit request: $100 per request, and $100 per tax year for refund requests, adjusted for inflation every five years from December 2025. WiseBenefits doesn't prepare, review or submit anyone's application.
How we work
- From the source. Every rule and amount comes from canada.ca, CRA forms or the law itself, and each page links to where it came from and says when we last checked.
- Private by design. The tools run in your browser. We never see your answers, and we never ask about your diagnosis.
- Honest about limits. Our tools give estimates. CRA and Service Canada make the decisions, and they're the ones to ask about your file.