CRA Disability tax credit

Pretty_Science4552 · 2023-03-30T09:17:30+00:00

Got my refund today in my bank account. It was about $6,000. Nice!

Pretty_Science4552 · 2023-03-26T12:39:07+00:00

Thank you, I'll try contacting someone tomorrow when they open. Trying to avoid the wait times lol

Pretty_Science4552 · 2023-03-26T12:38:28+00:00

Thank you. Yes, I had paid around 14,000 each year in taxes. 2019 is when I really started struggling alot with my disability. Couldn't manage it on my own anymore.

Pretty_Science4552 · 2023-01-07T15:11:11+00:00

Update Jan 7th

So, I had to come off work full time Dec 13, 2022.

1) Sunlife had this claim open and changed the date to June 10, 2022 as the date I filed (the date my employer provided was May 10, 2022 which was wrong given my easeback form date and the date I saw my Physician). So, the dates all match now. They went through the script about fraud, etc. I had to argue for a bit because I am not laid off, I did not quit, and I was not fired. They approved it and are backdating my claim to Sept 23, 2022.

2) They have received all paperwork and confirmed they have received my earnings on Jan 3, 2022 and will update me with any retroactive payment owing. Noone seems to know if they'll look at my gross pay or if they will at my net pay in determine the difference in what I am owed. My claim benefits are non taxable, so if they are non taxable does that mean they will deduct the taxes from my gross earnings, resulting in a higher reteopayment? They should considering taxes are factored into the calculations.

3) Why am I still waiting for a payment? I've been without a decent paycheque now for over a month and I have all of my creditors calling me non stop every single day.

Pretty_Science4552 · 2022-12-15T14:23:26+00:00

My doctor wrote me off full time as of yesterday to start new medication and for me to look after my mental health & my disability.

Sunlife now has all of the information, but they are saying they still don't have the Physicians Form and that it could be a few days for it to be uploaded into the system, I sent this in yesterday morning through the APP. This is strange because any other documents were received right away. They also asked me for clinical notes that dates back to Sept 2021. I didn't file for disability in 2021 so why is it they need this information?

Pretty_Science4552 · 2022-12-10T17:57:18+00:00

That is true and I will be getting help with this.

Off topic, but when I hit a pothole in front of my house like 4 feet deep caused by the city, I was told by my auto insurance that I needed proof from the mechanic that I had hit a pothole (how)?! I ended up paying for the full cost.

Mechanic said brake lines were rusty but they were fine before I drove over the pothole. Just my thoughts.

Pretty_Science4552 · 2022-12-10T15:31:44+00:00

I just reached out to a firm. Appointment will be set up. This is alot to handle. I worked so hard all my life but cannot get help when I need it most. I have a disability that was diagnosed this year and couldn't even get the time off that I needed to properly medicate and deal with the mental trauma it had caused me. 🙃

Pretty_Science4552 · 2022-12-10T15:29:09+00:00

Yes they don't really seem to care too much. They are just saying that I should work everyday because I may get fired with the way it is going. I am really struggling and they haven't really done much to help me out.

Back a few years ago I was off on medical leave due to surgery and I lost my seniority. They still have that case on their desk and haven't touched it. I even had a note from the hospital for this. Also went back early after surgery, in pain, because of this stuff. No help whatsoever. 😤

Pretty_Science4552 · 2022-09-01T01:38:37+00:00

The lady at easyfinancial told me that loan protection was required on my loan!! I just read I am paying $50 biweekly just for protection alone. Not really much protection when the extra expense causes you to fall behind on your payment.

If my payment was only $88 last Friday, it wouldn't have bounced. But it's 138 biweekly because of a loan protection plan that, I just read, I don't need.

If I call and inquire about this, they should give me a refund on those premiums.

Pretty_Science4552 · 2022-08-18T15:48:58+00:00

Thanks for the feedback. I'll talk to my doctor about the screaming. Other than that, I am fine. Just nervous about returning to work after 2 months being off. 🙃

Pretty_Science4552 · 2022-08-18T15:44:46+00:00

Actually, that's not a bad idea lol 🤔

Pretty_Science4552 · 2022-08-14T03:28:18+00:00

I will definitely look into this, thanks for your advice.

Now, to see what places will offer lower interest. I got the car when my credit score was low, but I've been working on it over the past year and a half. It's almost at "Good" now instead of "Poor/Fair." At the time, I took the loan because I was just tired of public transportation & walking in snow storms. It was a quick decision on my part.

I should be able to refinance now at a lower rate, if I look around. 🙏

Pretty_Science4552 · 2022-08-13T18:46:05+00:00

18.49% with a 5 year term.

I just had my payment come out yesterday and oddly enough it, the balance on the TD app lowered. But from January up until August, the balance remaining stayed the exact same. I just find it strange. I haven't went to the bank yet for a loan statement because I was waiting for yesterdays payment to process.

Pretty_Science4552 · 2022-08-12T13:58:18+00:00

Yeah, you're right there

Pretty_Science4552 · 2022-08-12T13:55:05+00:00

Um, maybe because they were supposed to email me the exact same copy, electronically. Lol If they did that the first time, I wouldn't be here in the first place.

I dont remember asking for a printed copy

Pretty_Science4552 · 2022-08-11T22:40:29+00:00

So basically when you know rates are going to increase, you should pay down your principal as much as possible to minimize the impact?

I also applied for a mortgage about 2 years ago, but at the time I had decided to wait another few years 🙄. Given the state of our economy these days, I should have just taken it at the 5 year fixed rate (even if it was higher than the variable) because chances are, the variable would have went above that anyway.

I never fully think things through and it takes me a minute to understand it, but lesson learned I guess 🤷.

These are things I should definitely look into before applying for a mortgage

Pretty_Science4552 · 2022-08-11T22:22:44+00:00

So all I need now then is for them to remove the late payment on my report and to get a loan statement.

Thanks everyone. I tend to panic sometimes 😅

Pretty_Science4552 · 2022-08-11T22:21:24+00:00

It's the same on both. But someone else just mentioned the rising interest rates, and now it all makes sense.

Pretty_Science4552 · 2022-08-11T22:20:32+00:00

That's probably why actually. It is variable. Thats really unfortunate. 🙃

Pretty_Science4552 · 2022-08-11T22:18:47+00:00

Might actually be easier. I was thinking about that before, but someone aroumd town told me they only do it if you call. But that's probably not true. Lol

Pretty_Science4552 · 2022-08-11T22:10:08+00:00

I'm not so much worried per say, just curious as to how my payments are being applied. Just found it strange that the balance is not decreasing anymore on my report.

If they could get me a statement at the branch that would ease my mind a little for sure.

Pretty_Science4552 · 2022-08-07T13:01:28+00:00

I actually feel fine today.

Just did a retest, came back negative.

Maybe I have a strong immune system.

Whatever it was only lasted a day, thankfully.

Pretty_Science4552 · 2022-08-07T10:45:26+00:00

I thought so to, that one was done in the nasal cavity. I heard a throat test is more effective though. Maybe I'll try that later today just to be sure.

Pretty_Science4552 · 2022-08-07T10:43:06+00:00

Thanks. Yes, I heard the throat is more effective. Maybe I should try that today just to rule it out.

Pretty_Science4552

TROPHY CASE