Disability Tax Credit
Canada’s flat-fee Disability Tax Credit service. $200 from assessment to CRA filing, with a money-back guarantee if your application is not approved.
Free 3-minute assessment, no payment information required.
The problem
The same work, structured around your refund instead of around our fee.
| Contingency-based services | UnlockDTC | |
|---|---|---|
| Fee structure | 15–40% of your refund | $200 flat fee |
| Fee on a $30,000 refund | $4,500 – $12,000 | $200 |
| What you keep from $30K refund | $18,000 – $25,500 | $29,800 |
| If application denied | Often no fee — but no refund either | Full $200 refund after appeal |
| Doctor coordination | Sometimes | Always — four pathways |
| CRA representative status | Varies | Yes |
These figures are retroactive refunds of income tax you’ve already paid — so they depend on tax having been paid.
Industry pricing based on CBC News reporting and disability advocacy data.
How it works
No paperwork mailed back and forth, no chasing forms.
Free 3-minute quiz tells you whether you likely qualify and gives a credit-value estimate.
Guided 45-minute questionnaire covering your impairments, daily impact, and history.
Your T2201, doctor brief, and CRA-ready supporting documents — prepared and reviewed before submission.
Doctor coordination, CRA submission, decision tracking, and appeals if needed.
Who qualifies
CRA looks at how an impairment affects daily life — not at the condition itself. These are the categories that count.
Mental functions
Memory, attention, problem-solving, learning, or managing emotions and behaviour.
Walking
Significant difficulty with walking — even with mobility aids — over typical distances.
Vision
Vision loss that cannot be fully corrected with glasses, contacts, or surgery.
Hearing
Difficulty hearing in quiet settings even with hearing aids or cochlear implants.
Speaking
Difficulty being understood, even with speech therapy or assistive devices.
Dressing
Significant difficulty dressing without assistance.
Feeding
Difficulty chewing, swallowing, or bringing food to the mouth.
Bowel or bladder
Difficulty with bowel or bladder control — including incontinence, catheters, or ostomies.
Life-sustaining therapy
Significant ongoing therapy required to support a vital body function — for example dialysis, insulin therapy, or chest physiotherapy.
A case can also qualify under the cumulative effect of significant limitations — two or more significant limitations in the categories above whose combined impact is equivalent to a marked restriction. The CRA introduced this pathway specifically for people who don’t clearly meet the bar in any single category but whose combined functional limitations clearly do. Only the CRA can approve a Disability Tax Credit application; our role is to give you a clear-eyed read on whether your case fits the published criteria.
Why UnlockDTC
Contingency-based DTC services typically charge 15% to 40% of your refund. On a $30,000 refund, that’s $4,500 to $12,000 deducted from money meant for your family. We charge $200. The same fee whether your refund is $5,000 or $50,000.
Industry pricing based on CBC News reporting and disability advocacy data.
Our service is built specifically for the Disability Tax Credit. We guide you through a 45-minute questionnaire, then prepare a personalized application package — including a one-page brief for your doctor that uses CRA’s exact terminology. Every application is reviewed before submission. Most are ready in under 24 hours.
We handle the entire process: eligibility assessment, application preparation, doctor coordination, CRA submission, and ongoing status tracking until decision. If denied, we file your appeal at no additional cost.
If CRA denies your application, we file your appeal at no extra cost. If the appeal also fails, you receive a full $200 refund. We're confident in our work because we're confident in our process.
The practice
Unlock Benefits is a Vancouver practice where every Disability Tax Credit application gets the time and attention it deserves — and someone personally accountable for it with CRA.
Dilani Sanmugathas
President & CRA Authorized Representative
Dilani reviews and files every Disability Tax Credit application that goes through our practice. As your Authorized Representative, she holds the responsibility for your case with CRA — every word, every filing, every follow-up. We use modern tools to organize information and check our work against CRA's published criteria, but the work itself stays in human hands.
Jay Namas
Operations & Client Care
Jay keeps every case organized and moving. He handles your communication, physician coordination, and the day-to-day work behind your application. If you call or email, there's a good chance Jay picks up first.
You get the same people on your file from start to finish — call or email, and you’ll reach one of us directly, no call centre, no chatbot.
Vancouver, BC. Serving Canadians across Canada (Quebec coming later).
One price, everything included
Application + physician coordination + CRA filing + post-approval guidance. Same fee whether your refund is $5,000 or $50,000.
Beyond the DTC
UnlockDTC is the first service in a family from unlock.benefits. Once your DTC is approved, several federal and provincial programs become available — and we’re building services around each of them.
unlock.rdsp
Set up an RDSP and access the Canada Disability Savings Grant + Bond — up to $90,000 in lifetime contributions from the federal government.
Coming soon
unlock.cdb
Up to $3,322 per year tax-free for families with a child approved for the DTC. We handle the paperwork and the back-claims.
Coming soon
unlock.tax
Ongoing tax filing that maintains your DTC status and captures every disability-related credit you qualify for, year after year.
Coming soon
Questions