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Disability Tax Credit for Osteoporosis: Financial Support for Seniors and Adults
Osteoporosis weakens the bones, increasing the risk of fractures and mobility challenges. For many seniors, this condition can make daily activities like walking, lifting, or even standing painful or unsafe. Adults with early-onset osteoporosis may also experience significant lifestyle changes, often limiting their independence and confidence.
At Count Smart, we help Canadians living with osteoporosis access the Disability Tax Credit (DTC). We guide you through every step of the process, ensuring that your challenges are properly documented and your application to the Canada Revenue Agency (CRA) reflects your daily realities.
Does Osteoporosis Qualify for the Disability Tax Credit?
Yes. The CRA may approve the DTC for individuals whose osteoporosis causes prolonged and significant restrictions in daily life or mobility. This includes challenges performing essential activities without assistance or adaptive aids.
You may qualify if osteoporosis causes:
- Frequent or recurring fractures that limit mobility
- Difficulty walking, climbing stairs, or lifting items safely
- Pain or stiffness that affects dressing
- Dependence on canes, walkers, or braces for mobility
- The need for daily help to manage physical safety or personal care
The CRA evaluates the impact on your functional ability, not just your diagnosis. If you experience daily restrictions lasting 12 months or more, you may be eligible.
How Osteoporosis Affects Daily Life
For seniors, even minor falls can result in serious fractures that require months of recovery and ongoing care. Adults diagnosed earlier in life may face chronic pain, limited physical activity, and increased dependence on others.
The Disability Tax Credit provides financial relief by lowering annual taxes and unlocking potential retroactive refunds. These funds can help with:
- Home modifications (grab bars, ramps, or stair lifts)
- Physiotherapy and rehabilitation sessions
- Mobility aids such as walkers or braces
- Supportive care or personal assistance services
Count Smart ensures your DTC application clearly shows how osteoporosis affects your independence and quality of life, helping the CRA fully understand your situation.
What Medical Evidence Is Needed
The CRA requires detailed medical documentation showing that osteoporosis causes significant limitations over a long period.
You’ll need:
- A Form T2201 completed by your physician or orthopedic specialist
- Medical reports or imaging confirming bone loss, fractures, or mobility limitations
- Notes describing ongoing treatment, physiotherapy, or medication
- Details about how these limitations affect your daily functioning and safety
Count Smart collaborates with your healthcare provider to make sure the non-medical parts of your application are organized and consistent with the medical findings.
What Financial Benefits Can You Expect
Approved applicants may be eligible for:
- $1,958 to $3,169 per year in non-refundable tax credits (depending on province and tax return)
- Retroactive refunds for up to 10 years, if you were previously eligible
- The ability to transfer unused credits to a spouse or family member providing support
These funds can make a meaningful difference offsetting therapy costs, safety modifications, or personal assistance services.
How Count Smart Simplifies the Process
Navigating the Disability Tax Credit while managing osteoporosis can feel overwhelming. Count Smart provides step-by-step support to make it easier:
- Free Eligibility Review – We assess whether your osteoporosis meets CRA criteria based on daily functional restrictions.
- Medical Coordination – We work with your doctor or specialist to ensure medical information is clear and complete.
- Document Preparation – We compile and organize non-medical details into a clear, CRA-ready application.
- Ongoing Support – We track your claim, respond to CRA requests, and assist with appeals if needed.
Learn more about our streamlined process on our How It Works page.
Start Your Application Today
Living with osteoporosis shouldn’t mean facing financial hardship. Count Smart helps you access the Disability Tax Credit so you can focus on staying healthy and independent.
Book a free consultation today and let Count Smart help you secure the financial support you deserve.
FAQs: Osteoporosis and the Disability Tax Credit
Yes. Using a mobility aid like a cane, walker, or brace can support your DTC eligibility when it’s medically necessary and used daily due to osteoporosis-related pain or instability. The CRA focuses on how much your mobility and independence are affected. Documenting how often you rely on these supports—at home or outdoors, can help strengthen your case.
Not necessarily. While recurring fractures can support eligibility, you may still qualify if your condition causes chronic pain, stiffness, or significant difficulty performing daily tasks (like walking and dressing. The CRA evaluates the functional impact of bone weakness rather than the number of fractures.
The most effective documentation includes:
- A completed Form T2201 signed by your family doctor or orthopedic specialist
- Bone density scan results showing advanced bone loss (osteopenia or osteoporosis)
- Progress notes describing pain, mobility limitations, or safety risks
- Physiotherapy or rehabilitation records showing long-term treatment
The key is showing how osteoporosis restricts your physical independence and requires ongoing support or adaptations.
Yes. The CRA recognizes that medication or treatment may help but doesn’t necessarily remove the restrictions you face. Even if your pain or fractures are partly managed through medication, you may still qualify if daily activities remain time-consuming or physically difficult despite treatment.
It depends on your level of restriction. Mild cases that don’t affect your mobility or daily independence may not qualify. However, if you’ve had multiple fractures, limited range of motion, or require assistance with everyday activities, it’s worth applying. Count Smart can review your situation to determine whether you meet CRA’s criteria before submitting.
If your claim was denied, you can request a reconsideration within 90 days of the CRA’s decision. Many denials occur because daily challenges weren’t fully described or backed by enough medical detail. Count Smart can help by:
- Reviewing your denial letter and identifying missing evidence
- Coordinating with your doctor to strengthen documentation
- Preparing a detailed appeal or reapplication package to improve your chances of approval
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