A guide to lesser-known federal and provincial programs
Every spring, millions of Canadians submit their tax returns, hoping for a decent refund or, at the very least, to avoid owing more than expected. But while most of us are familiar with common deductions like RRSP contributions or child care expenses, many miss out on valuable tax credits—some of which could be worth hundreds or even thousands of dollars.
Despite its importance, the Disability Tax Credit is often overlooked or misunderstood. Designed to offset the unavoidable costs associated with serious physical or mental impairments, the DTC can offer substantial relief. What’s more, it can be transferred to a supporting family member if the individual with the disability does not have enough taxable income to benefit from it fully.
While federal credits tend to get the spotlight, provinces also offer targeted programs. For instance, Ontario’s Energy and Property Tax Credit provides support to low- and moderate-income residents with property tax and sales tax on energy costs.
In British Columbia, the Climate Action Tax Credit provides quarterly payments to offset carbon tax increases, while Quebec residents can access unique incentives like the RénoVert tax credit for eco-friendly home renovations.
This credit covers far more than prescriptions or doctor’s bills. Canadians can claim travel costs for medical treatment if care is unavailable within 40 km, gluten-free food costs for those with celiac disease, and even service animals for individuals with severe disabilities.
Canadians aged 65 or older—or those with a disability—may claim up to $10,000 in renovations that make their home safer or more accessible. This includes installing grab bars, non-slip flooring, or wheelchair ramps.
The CWB provides a refundable tax credit to working individuals and families with low incomes. Automatically calculated through most tax software, it still goes unnoticed by some due to lack of awareness or filing errors.
This relatively new credit encourages support of Canadian journalism. Individuals can claim up to $500 in digital news subscriptions from eligible Canadian outlets—offering a tax break while staying informed.
Tax laws evolve. The pandemic, climate change, and shifts in policy have all led to new or enhanced credits in recent years. Use tools like the Canada Revenue Agency’s (CRA) online calculator or talk to a tax advisor to make sure you're not leaving money behind.
Another trick: tax software often asks screening questions you may be tempted to skip. Don’t. These prompts often surface credits you didn’t know existed.
From heating bills in Newfoundland to mental health services in Alberta, tax credits reflect the unique needs of Canadians across provinces. A little extra time and knowledge at tax season can yield big dividends.
“Don’t just file your taxes—optimize them.”
With cost-of-living pressures mounting, every dollar matters. Make sure you’re not leaving any on the table this tax season.
