Financial Resources available to Canadians with CF

NOVEMBER 29, 2023

The reality of a cystic fibrosis (CF) diagnosis has changed drastically with improvements in treatment and care and the introduction of modulator therapies. Some Canadians with CF are living longer and healthier lives, which comes with additional considerations that you may not have planned for.

Living with a genetic disease like cystic fibrosis can be a stress on finances. There is time spent away from work due to hospital stays, the added expenses of travelling to clinic visits, CF treatment equipment and medications and some Canadians with CF or caregivers have had to leave a job or work part time due to CF care or complications. While it may not solve all of the financial issues related to CF, resources may be available to you through the provincial and federal government.

To receive some of these benefits, an individual must first qualify and be approved for the disability tax credit. Qualifying for disability can only be done through a medical practitioner, certifying that you have a marked restriction or receive therapy to support everyday life. Don’t forget to check your eligibility for the credits provided using the links below.

Here are some of the top benefits that could provide you with financial relief in Canada:

1. The Disability Tax Credit (DTC) helps to reduce the income tax that people with physical or mental impairments, or their supporting family members pay.

1.1. With the disability tax credit, you can register for a registered disability savings plan (RDSP). This savings plan aims to provide financial security for a person who has a prolonged physical or mental impairment. People with CF can register themselves if they meet the eligibility criteria and parents can register their children with CF.

2. The medical expenses credit can be a valuable tax credit for individuals incurring medical expenses. This tax credit can be claimed for a person, their spouse, common-law partner and children. Read more about what medical expenses are eligible for credit on the list of approved expenses.

3. The Canada Pension Plan disability benefits are designed to provide financial assistance to CPP / QPP contributors who are unable to work because of a severe long-term disability

3.1. Note that there are additional benefits that work in conjunction with the CPP depending on the province you live in.

4. The Canada Workers benefit (CWB) is a refundable tax credit intended to supplement the earnings of low-income workers. This benefit has two parts: a basic amount and a disability supplement. Please refer to the eligibility requirements to determine if you are eligible and learn more about how the benefit works here.

5. EI Sickness Benefits can be especially beneficial if you are experiencing multiple exacerbations throughout the year while working. This benefit has a one week waiting period for any claim made in the same 12 months.

A few provincial benefits include:

– Alberta: AISH (Assured Income for Severely Handicapped) providing disabled adults with further healthcare and financial benefits

– Newfoundland & Labrador: MTAP (Medical Transportation Assistance Program) providing financial assistance to residents that have substantial out-of-pocket expenses to access specialized care

– Nova Scotia: Stephen Russell Memorial Fund providing those with CF financial assistance for equipment, education, and travel expenses from home to clinic. (Referral by social worker)

– Québec: offers tax credits for disabled individuals and then disability pension for those who work while disabled (FR community)

These are only some of the financial benefits available to people with disabilities. You can navigate financial benefits on the Government of Canada’s website here. Additionally, each province and territory has its own financial support that you may be entitled to access. Look through Cystic Fibrosis Canada’s community resource guide for more information and speak with your CF clinic for provincial resources that may be available to you.