Resources

I line image in green showing a handshake

Welcome to our resource page

Here, you’ll find valuable information and tools for the visually impaired and hearing impaired communities. We offer resources like CNIB, Deaf/Blind, Pacific west institute for the disabled, tax forms and other organizations dedicated to supporting individuals with visual and hearing impairments. Our goal is to empower you with accessible and reliable content, so you can make informed decisions and find the help you need. Explore our collection for valuable insights and assistance.

1. CNIB (Canadian National Institute for the Blind): CNIB is a national charity dedicated to providing support, services, and advocacy for individuals who are blind or partially sighted. 

2. CHS (Canadian Hearing Services): CHS is a non-profit organization that supports individuals who are Deaf or hard of hearing with services like sign language interpretation, employment assistance, and communication devices. 

3. Deafblind Canada: This organization provides support and resources to individuals who are both deaf and blind, promoting their independence and quality of life. 

4. AEBC (Alliance for Equality of Blind Canadians): AEBC advocates for the rights and interests of blind, deaf-blind, and partially sighted individuals, working towards a more inclusive society. 

5. CCB (Canadian Council of the Blind): CCB is a national advocacy organization that represents the interests of Canadians who are blind, promoting independence and accessibility. 

6. CHHA (Canadian Hard of Hearing Association): CHHA offers support and resources to individuals with hearing loss, advocating for their needs and rights. 

7. Deafness Advocacy Association Nova Scotia (DAANS): DAANS is an organization in Nova Scotia that advocates for the Deaf and hard of hearing community. 

8.     Pacific Training Centre Division of Canadian Organization. 

9.     Pathways. 

10.   National Institute of disability Management. 

11.   Disability access Victoria and Vancouver. 

Forms for income supports. Click on either of the following links to direct to the appropriate page. 

Disability  related information (CRA) 

Disability tax credit forms for Canadians with disabilities. (CRA). 

CPPD forms for Canadians applying for CPPD (Canada pension disability. 

RDSP (register disability savings plan). 

The Registered Disability Savings Plan (RDSP) is a specialized savings plan available in Canada to help individuals with disabilities and their families save for the long-term financial security of the person with a disability. Here’s some key information about RDSPs: 

1. Purpose: The primary purpose of the RDSP is to encourage long-term savings for individuals with disabilities to secure their financial future. It allows for tax-deferred growth of investments, and the government also provides financial assistance through grants and bonds. 

2. Eligibility: To be eligible for an RDSP, the beneficiary (the person with a disability) must meet the following criteria: 

a. Be a Canadian resident. 

b. Have a valid Social Insurance Number (SIN). 

c. Be eligible for the Disability Tax Credit (DTC), which requires the individual’s impairment to be severe and prolonged, affecting their ability to perform daily life activities. 

3. Contributions: Contributions to an RDSP can be made by anyone, including the beneficiary, their family, or friends. There is no annual contribution limit, but there is a lifetime contribution limit of $200,000 per beneficiary. 

4. Government Grants and Bonds: One of the main advantages of RDSPs is the government assistance available through grants and bonds: 

a. Canada Disability Savings Grant (CDSG): The government matches contributions made to the RDSP by individuals with lower income. The matching rate can vary, depending on the beneficiary’s family income and the contribution made, with a maximum grant of $3,500 per year and a lifetime limit of $70,000. 

b. Canada Disability Savings Bond (CDSB): For beneficiaries from lower-income families, the government provides a bond even if no contributions are made to the RDSP. The annual bond amount can be up to $1,000, with a lifetime maximum of $20,000. 

5. Investment Growth: The RDSP allows for tax-deferred investment growth, which means any income earned within the plan is not taxed until it is withdrawn from the account. 

6. Withdrawals: RDSP withdrawals are called Disability Assistance Payments (DAPs). DAPs consist of two components: the investment income and the government grants and bonds. When DAPs are withdrawn, they are included as taxable income for the beneficiary. 

7. Lifetime Limit and Deferment Period: The RDSP has a lifetime limit of 25 years for eligibility for government grants and bonds, starting from the year the beneficiary qualifies for the DTC. After this period, no additional grants or bonds will be paid into the RDSP. However, contributions can continue to be made. 

8. Repayment of Grants and Bonds: If DAPs are withdrawn from the RDSP, and the beneficiary no longer qualifies for the DTC within the following ten years, the government grants and bonds received within the last ten years may need to be repaid to the government. 

RDSPs provide an excellent opportunity for individuals with disabilities to secure their financial future and enjoy government assistance to grow their savings. However, it is essential to consult with a financial advisor or a qualified professional to understand the specific details and implications of opening and managing an RDSP.

The main banks such as RBC, BMO, CIBC, Bank of Nova Scotia have very limited investment choices as you will have to invest in their product’s which are generally mutual funds. If you are interested in investing yourself, TD Bank has an option where you can self direct invest yourself by purchasing your own investment choices, such as stocks, options, ETFs, REIT, Bonds, GICs through self direct investing on your part.  It is highly recommended that you do your research before you invest any money into any company. Do not invest one dime until you are 100% sure of your decision, that you are confident of your investment choices. To find information on a company to invest in you can visit SEDAR, or EDGAR. These websites will tell you everything you need to know about each public listed company on the exchange that you are interested in investing in.

Provincial Income Assistance

If you are seeking local disability income support in your area, there are several steps you can take to find the assistance you need. Start by contacting your local government or municipal services to inquire about available disability support programs and resources. Additionally, consider reaching out to non-profit organizations and community centers that specialize in disability services. These organizations can provide valuable information on financial assistance, employment