Living with a Disability

“I can’t change the direction of the wind,
 but I can adjust my sails to always reach my destination.”
– Jimmy Dean

The ability to live financially independent requires a long-term financial plan. 

Putting the right strategies in place can give you the financial help and the peace of mind you need.

Disability Tax Credit Certificate (T2201)

 Most disability assistance programs need the existence of a Disability Tax Credit Certificate (T2201). 

The T2201 needs to be certified by a medical practitioner and be approved by the CRA.

Registered Disability Savings Plan (RDSP)

The expenses associated with a disability can be overwhelming.  To help with these costs, the government introduced the Registered Disability Savings Plan. 

The RDSP is a registered savings plan established by the government for the purpose of assisting families in saving for the long-term financial security of individuals with disabilities. The government encourages saving, by matching contributions made by the plan holder with Canada Disability Savings Grants into the RDSP account. Low income families may also qualify for Canada Disability Savings Bonds, with no contributions required by the plan holder. Contributions can be made until the end of the year in which the beneficiary (the person with the disability) turns 59.

Other Strategies

Other strategies such as trusts and government programs are available to help you financially.

Products or services related to investments, investment recommendations, and investment reviews are provided through our mutual fund dealer Security Financial Services and Investment Corp.       4665 Yonge Street, Suite 309, Toronto, ON  M2N 0B4  t 416.964.0440
Insurance sales are not conducted through Security Financial nor are they the business of Security Financial.
Insurance sales are conducted through Qualified Financial Services (QFS), a Managing General Agency.
As Certified Financial Planners, we may provide expert advice to clients that do not have or intend to have investments held through Security Financial Services or Qualified Financial Services.  We may charge an hourly rate to clients who come to us solely for financial advice and planning services.

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All written content on this site is for information purposes only.  All information or ideas provided should be discussed in detail with an advisor, accountant or legal counsel prior to implementation.