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Disability Tax Credit reforms to make access easier

The federal government’s Disability Tax Credit (DTC) provides significant financial relief for persons with disabilities and their supporting family members. This non-refundable tax credit helps offset some of the extra costs associated with living with a disability. For 2026, the disability amount is $10,341, providing up to $1,448 in federal tax relief. Eligibility for the DTC also serves as a requirement for access to seventeen other key federal supports, including the Canada Disability Benefit, the Child Disability Benefit, the Registered Disability Savings Plan, and the Canada Disability Savings Grant and Bond. 

This year, the application process has been updated to improve the DTC application process for persons with disabilities, and to reduce paperwork for medical practitioners. The specific changes include:

  • Streamlining the DTC application process for individuals diagnosed with certain long-term medical conditions. Rather than having to provide detailed assessments about how a condition affects daily functioning, medical practitioners will only need to confirm the diagnosis.
  • Expanding the list of medical practitioners who can certify eligibility for the DTC to include podiatrists (for impairments affecting walking) and broadening the types of impairment that can be certified by physiotherapists, speech-language pathologists and occupational therapists. 
  • Recognizing provincial or territorial public guardians and trustees as being qualified to certify applications for the DTC for adults in their care for property matters who have a valid certificate of incapacity. 

In addition to the proposed changes listed above, on September 1, 2026, the federal government will also provide an automatic supplemental payment of $150 to all Canada Disability Benefit recipients to help reduce the costs of obtaining the disability tax credit (DTC).

GEM Health Care Services has always encouraged its clients to take advantage of existing tax benefits to offset the costs of home health care services, including the DTC. “We welcome these proposed improvements that we believe will simplify the application process,” says Gaye Moffett, founder, president and CEO of GEM. “By expanding the list of health professionals who can certify the DTC forms plus increasing the number of disabilities that qualify for permanent DTC approval, the needs of Canadians will be better served in the future,” she adds. 

For more details, visit: Help speed up your DTC application – Canada.ca. In addition, you can learn about support for individuals preparing DTC and CDB applications here: Organizations providing disability benefits navigation services.

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Making plans for aging in place 

What to do when seniors say the only way they’ll leave home is ‘in a box’

When individuals express the idea that they want to stay in their own home until they die, family members must navigate the complexities of simultaneously respecting the person’s autonomy, ensuring safety, and managing ethical issues. 

The desire to age at home typically stems from wanting to stay where things are familiar and comfortable. It can be very hard for older people to admit they can no longer manage to live independently and many seniors do not acknowledge the risks of caregiver burnout when caring for a spouse until they are completely overwhelmed. 

“I hear this wish about aging in place expressed a lot, but people haven’t always thought it through, says Gaye Moffett, founder, president and CEO of GEM Health Care Services. “It is possible to stay in your own home until the end,” she adds, “but people need to understand the impacts—financially, emotionally and physically.”

GEM Health Care Services has some practical advice to offer when navigating this situation: 

Communication is key

  • Communicate collaboratively: Consider questions like, “What home care supports can we organize together to make sure you’re safe here?” 
  • Research options together: Modern senior living options may be unfamiliar. Taking a tour with aging parents can help them better weigh the benefits of making a move versus staying at home.
  • Consider the financial aspects: Gaye notes that a conversation she has often with families includes helping to identify the costs of home health care services versus retirement homes.

Important logistical steps

  • Conduct a safety audit and implement needed modifications: GEM can recommend home safety audit providers; they can identify and address physical risks, including necessary home modifications as well as monitoring services.  
  • Consider a gradual introduction of in-home care services: Seniors are often more willing to accept help if they understand it’s part of what is necessary to stay in their own home. A good way to begin is with house cleaning or social companionship, just some of the services GEM provides, or other non-medical services like grocery or meal delivery. 
  • Contact Ontario Health atHome: this organization coordinates local home and community care, long-term care placement and accessing community supports; they can also help families with equipment related to home health care.
  • Create a back-up plan: It’s crucial to understand what needs to happen should the primary caregiver become incapacitated due to illness or injury. GEM can help organize care in an emergency, but it’s always better to have a plan in place.

“We have encountered this aging at home situation hundreds of times over the past 30+ years GEM has been in business,” notes Gaye. “We have loads of experience working collaboratively with families plus medical and other professionals to implement a geriatric care management plan and ensure regular re-evaluations of the plan as needs evolve.”


“Aging in place can work for most families, with proper planning and execution,” Gaye confirms. “We have a wealth of knowledge to share, such as important questions to ask your accountant about tax benefits related to home health care. We can even facilitate some of the difficult conversations families in this situation typically need to have.”