A new environment at work or at home can irritate a person’s respiratory system or skin. Perfume, petrol, smoke, diesel exhaust or solvents are the most common chemicals that irritate those with sensitive systems. These chemicals are present indoors and outdoors of every public and private location. Physical reactions to these substances can include sneezing, runny nose, watery eyes or nausea. Discovering the cause of multiple chemical sensitivity requires observation and careful documentation. The National Benefit Authority encourages anyone with symptoms to take careful notes for seven days. A physician cannot be expected to determine the cause of the symptoms without some information.
A patient suffering from symptoms should look for the cause of each one. Signs and symptoms that disappear in a different location, such as outside, are tied to a particular setting. The individual must define the cause since no one else is present everywhere. New furnishings, carpet and vehicles have strong odors that contain stronger concentrations of the chemicals. People must review recent purchases to determine potential causes of the symptoms. Removal of the newest objects might resolve the issue. Physicians will treat the symptom with a medication that is intended to prevent the symptom.
Addressing the problem is the best approach. The National Benefit Authority encourages all Canadians to recognize the value of solving the issue without medications. Identifying sensitivity to various chemicals is important for the long-term health of the individual. Avoiding the chemical completely may not be possible, but an immediate action to leave the area allows the individual to avoid developing symptoms. Enduring too many symptoms for long periods of time will create more sensitivity and can cause illness. Anyone with sensitive respiratory systems should avoid exposure to chemicals to prevent the development of bronchitis and pneumonia.
Applying for benefits such as the Disability Tax Credit can range from difficult to downright impossible without help from a professional agency like The National Benefit Authority. The complexity of the government forms and all the details of the application process can cause many unforeseen problems and delays, and sometimes individuals must apply several times. All this is more than frustrating for disabled persons and their loved ones who need these benefits to offset their costs of living.
If you aren’t convinced of the complexity of the government forms and the application process for the Disability Tax Credit, just consider some of the steps to apply:
- Be prepared and well organized, with all medical records and forms ready to reference at any time.
- Read all the information about the Disability Tax Credit on the Canadian Government website.
- Print all applicable forms and relevant info.
- Complete form T-2201 (Disability Tax Credit Certificate).
- Carefully answer all questions, many of which are quite ambiguous, after reading the entire questionnaire for clarity.
- Have a qualified medical professional correctly complete part of the application.
- Attach cover letter with a request for reassessment of previous tax years.
- Wait six to eight months to hear back from the Canadian Revenue Agency.
- Apply again if necessary.
If you are a Canadian living with disabilities, organizations like The National Benefit Authority can help you learn about and apply for various tax credits and grants to which you may be entitled. There are many benefit programs that are designed to ease the financial burdens of incurring disability-related costs or earning a lower income as a result of being disabled. Canadians who live with disabilities often have no idea about the benefits that are available to them, though, which is why various organizations are doing their part to spread the word and help qualifying citizens apply for their rightful benefits.
Disability Benefits Going Unclaimed
There are many reasons why Canadian disability benefits are going unclaimed. Tax assistance organizations say that many would-be beneficiaries don’t even realize these disability tax credits exist in the first place. Some people have heard about the benefits but have never gone so far as to ask their doctor if they qualify, and others assume they won’t be able to take advantage of the benefits because they don’t earn enough income to pay taxes. The fact is that many people qualify who aren’t taking advantage of the benefits, while others have family members or other caregivers who could receive benefits, even if they don’t personally earn enough income to qualify. Many of these people could get a large refund for as many as ten past tax years’ benefits.
What the Disability Tax Credit Can Do
The Disability Tax Credit is basically a credit that disabled persons and/or their supporting family members caregivers can claim on their taxes. Before one can qualify for the benefit, it is necessary to be certified as disabled by a medical doctor. For those who qualify, it is possible to claim as many as ten years of retroactive benefits. In the latter case, the sum of money can be very large.
Qualifying for the Disability Tax Credit can be intimidating, since it is so dissimilar to qualifying for Worker’s Comp, CPP and other disability programs. The difference in the legal text is not even necessarily clear to doctors, which can make matters more difficult. Some patients who are still able to work will qualify for the tax credit, for example. This is why it’s better to go to an organization like The National Benefit Authority rather than relying solely on the advice of a doctor about whether or not you qualify.
Many Canadian citizens don’t know that they can go to organizations like The National Benefit Authority for help accessing various disability tax benefits if they (or their children) have qualifying learning disabilities. A learning disability can really hold someone back from living a normal life; at the very least, it makes it difficult to have the same financial well-being, lifestyle and social life as the average person. This is why the Canadian government offers tax benefits such as a Disability Tax Credit and savings plans for the disabled, their parents and other caregivers. The application process can be complicated, but organizations such as The National Benefit Authority are available to help navigate through the complex and time-consuming process.
The Truth About Learning Disabilities
The truth is that many of the skills we take for granted are the ones that people with learning disabilities have the most difficulty developing. The everyday skills of looking for a job, finding a place to live, choosing places to eat, shopping for groceries, searching for basic amenities, developing friendships and adjusting to a new place are not always so easy for someone with a learning disability. For those who have all these skills, it has taken years of social conditioning and training that most of us don’t even think about. Just fending for oneself in the most basic conditions can be very difficult for someone who has lived their whole life with learning disabilities.
This is why benefits such as the Disability Tax Credit are available to people with learning disabilities. It’s a matter of making life a little fairer for those who have the most challenges facing them.
What is a Learning Disability?
Learning disabilities may include a number of different disorders affecting cognitive abilities. The most common learning disabilities are evident in early childhood, and parents must work around these disabilities as they raise their child. Learning disabilities may also come about later in life, such as in post traumatic stress disorder when a person has been through a traumatic event or series of events.
It may be difficult for individuals and their parents to define the learning disability they are coping with, and even more difficult to explain the disability to the proper authorities when applying for Disability Tax Benefits. This is one of the reasons why The National Benefit Authority and other organizations work closely with learning disabled and their families.
The cost of living for people with disabilities is much higher, which is exactly why organizations like The National Benefit Authority are available to help disabled people take advantage of any tax deductions and other benefits available from the Canadian government. Many studies have been done on the cost of living difference for a disabled person and/or the people who care for them, not to mention the reduced income that may come with a disability. One recent study in Ireland provided a great deal of useful information to help shed light on just how much of an additional financial burden rests on the shoulders of disabled persons and their loved ones.
Interesting Facts on the Cost of Living with a Disability
The National Disability Authority in Ireland wanted to find out exactly what kind of burden was resting on the shoulders of disabled people, their families and other loved ones who provide care to them. This is why they commissioned Indecon, an economic consulting firm, to conduct research on this issue. The findings, which were produced through numerous methods including reviews of studies around the world, revealed that there are many additional costs associated with living with a disability. The lowest extra living costs they found in the groups studied was about €40 a week, or about $65 a week, and chances are this would be even higher today considering inflation since the time the study was conducted.
There are many areas that require additional spending if you are disabled, and it is different for each individual. Some of the additional costs for disabled persons include the following:
- Disability aids
- Home alterations
- Home help
- Home maintenance
- Insurance (for the car and home)
- Laundry services
- Personal assistance
- Phone bills
- Shower chairs
- Special beds
- Speech therapy
- Taxi fares
- Travel to hospitals and doctor’s appointments
Some of these costs are pretty straightforward, such as home alterations, medications and special beds. Other costs, such as food bills, seem like something everyone must pay for, so you may be wondering why they are on this list. The truth is, many disabled people have to eat special foods as a result of their disability, and the additional expenses can often be offset through the assistance available. Being disabled is expensive – this is why benefits are available, and organizations such as The National Benefit Authority can help you get them.