At every age and stage of life — a young child, a student, a working adult, or a senior — ADHD, anxiety, chronic illness, mobility limitations, memory loss and many other conditions can qualify for up to $90,000 in benefits, going back up to 10 years. Most eligible Canadians have never applied.
From young families to retirees — here's what working with us looks like.
"Our son was diagnosed with ADHD a few years ago and nobody — not the school, not our accountant — mentioned we could claim anything. Maple Key guided us through every step and coordinated with our family doctor."
"I've been on long-term disability since my injury and assumed that was that. They showed me the tax credit was completely separate from my insurance. The refunds covered years I'd worked and paid tax."
"Dad is 78 and living with dementia. We never imagined a tax credit applied to him. Maple Key guided the whole process respectfully, coordinated with his doctor, and the credit transferred to my return as his caregiver."
"I'm 34 and have managed anxiety and ADHD my whole adult life. I honestly thought these programs were only for severe physical disabilities. The process was discreet and my employer was never involved."
"Our daughter's dyslexia diagnosis came in grade 3. Maple Key's team knew exactly what the CRA needed from her psychologist. Everything was approved on the first submission."
"Living with Type 1 diabetes means constant management. I'd applied on my own years ago and was denied. They rebuilt the application around the life-sustaining therapy rules and it went through."
The CRA assesses eligibility under its official impairment categories. A significant restriction in any one of them — or the cumulative effect of several — lasting at least 12 months can qualify:
These are the CRA's own categories from the Disability Tax Credit application. Mental functions covers conditions like ADHD, autism, anxiety, depression and dementia; a medical practitioner certifies the impact. Not sure where you fit? The free 20-minute call is exactly for that.
Answer 3 quick questions — and see a real-time estimate of what you could recover.
20 minutes. We assess your situation, explain what likely applies, and give you an honest range.
We prepare the CRA forms with you and coordinate the medical certification.
We track the application, respond to any CRA questions, and pursue every retroactive year you're entitled to.
Funds go directly to you from the CRA.
"Only severe physical disabilities qualify."
Both mental and physical impairments qualify. The impairment does need to be serious and sustained — but ADHD, anxiety, depression and other mental-health conditions are approved regularly, right alongside physical ones. More qualifies than most people expect.
"I'm too old — this is for kids."
There is no age limit. Seniors qualify, refunds can reach back into working years, and unused credits can transfer to a supporting family member.
"It will affect my job or my child's record."
The DTC is a tax matter between you and the CRA. Employers and schools are not notified. It's confidential.
| Maple Key | Do it yourself | Do nothing | |
|---|---|---|---|
| Upfront cost | $0 | $0 | $0 |
| Your time required | ~1 hour total | 20–40 hours | — |
| Medical form coordinated with your doctor | ✓ | You coordinate | — |
| All 10 retro years pursued | ✓ | Often missed | ✗ |
| Related benefits captured | ✓ All programs | Frequently missed | ✗ |
| Denials appealed | ✓ Included | On your own | — |
| Typical outcome | Maximized claim | Partial claim | $0 |
Anyone — any age — whose physical or mental condition significantly restricts daily activities (like focus, memory, walking, or self-care) and has lasted, or is expected to last, at least 12 months. A medical practitioner certifies this on the application. Children, working-age adults and seniors all qualify under the same rules.
No. Adults are one of the largest under-claiming groups. If your condition existed in past years, the CRA can reassess up to 10 previous returns — including your working years. Adults 18–64 may also qualify for the Canada Disability Benefit, currently up to $204 per month.
Often, yes. If they paid tax at any point in the last 10 years, retroactive refunds may apply. If their income is low, the credit can transfer to a spouse or a supporting family member — a common and fully legitimate arrangement the CRA provides for. The family member providing care may also qualify for the Canada Caregiver Credit on top of the transfer.
LTD and the Disability Tax Credit are completely separate. Insurance approval doesn't enroll you with the CRA — most LTD recipients have never applied for the DTC. Since employer LTD income is usually taxable, approval often produces real refunds.
Often, yes. The Canada Caregiver Credit is a separate federal credit for people supporting a spouse or dependant with an impairment — an amount of up to $8,601 (2025) for an adult dependant, or $2,687 for a child under 18, with the actual value depending on the dependant's income. A Disability Tax Credit approval typically serves as proof of the impairment, and missed years can be claimed retroactively. When we review a family's claim, we check for this credit as part of the same process.
No. This is a confidential tax matter between you and the CRA. Employers, schools and insurers are not notified. If you receive income-tested provincial benefits, we'll flag anything worth reviewing before you proceed.
Preparing and submitting typically takes 2–4 weeks (mostly waiting on the medical certification). CRA processing generally runs 3–6 months. Retroactive refunds usually arrive shortly after approval.
We review the reasons, strengthen the medical documentation, and resubmit or object where warranted — included in our service. Many initial denials are reversed with properly framed documentation.
Maple Key FinancialThis privacy notice for 1000673388 Ontario Inc., carrying on business as Maple Key Financial ("Maple Key Financial", "we", "us", or "our"), describes how and why we might collect, store, use, and/or share ("process") your information when you use our services ("Services"), such as when you:
This notice is prepared to be consistent with the Personal Information Protection and Electronic Documents Act ("PIPEDA") and applicable provincial private-sector privacy legislation.
Questions or concerns? Reading this privacy notice will help you understand your privacy rights and choices. If you do not agree with our policies and practices, please do not use our Services. If you still have any questions or concerns, please contact us at contact@maplekeyfinancial.com.
Our engagement agreement states that you accept the terms of this privacy notice. This section sets out, in plain language, exactly what that means. Please read it before you sign. This is the consent we rely on.
1. Collecting and using your health and financial information — to assess, prepare, and pursue your disability tax credit or related benefit claim, and to provide it to the Canada Revenue Agency and, where you direct us, to your medical practitioner. This is necessary to provide the Services. We cannot act for you without it, and if you withdraw this consent we will have to stop acting for you.
2. Communicating with you by email and text message (SMS) about your file, including about your health. These channels are convenient but not fully secure — the specific risks are set out in section 6, and we ask you to read them. You can opt out of any channel at any time, including before we ever use it. Just tell us, and we will use telephone, postal mail, or secure file transfer instead. This costs nothing and does not affect your fees or our willingness to act for you.
3. If someone referred you to us — confirming back to them that you engaged us and that a claim succeeded. Nothing more: never your diagnosis, your medical information, the tax years, or the amount recovered. This one is entirely optional and is not a condition of our Services. You may decline it at any time — before signing, at signing, or years later — simply by telling us in writing, by email, or by phone. Declining costs nothing, changes nothing about how we act for you, and does not affect your fees. If you decline, we will confirm that in writing and make no such confirmation. See section 5.
You may withdraw any of these consents at any time, subject to legal and contractual restrictions and reasonable notice, by contacting our Privacy Officer using the details in section 16. For items 2 and 3, withdrawal takes effect as soon as we receive it and carries no cost or penalty.
What personal information do we process? When you visit, use, or navigate our Services, we may process personal information depending on how you interact with us and the Services, the choices you make, and the features you use.
Do we process any sensitive personal information? We may process sensitive personal information — such as health and financial information — when necessary with your consent or as otherwise permitted by applicable law.
Do we collect any information from third parties? We do not collect any information from third parties.
How do we process your information? We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. We process your information only when we have a valid legal reason to do so.
In what situations and with which parties do we share personal information? We may share information in specific situations and with specific categories of third parties, described below.
Were you referred to us by someone? If so, we will only confirm back to that referral source that you engaged us and that a claim was successful if you expressly agree. It is optional and never a condition of our Services, and we never share your diagnosis, medical details, or the amount recovered.
How will we contact you? With your consent we use email and text message to discuss your file, including health-related information. These channels are not fully secure, and you can ask us to use telephone, postal mail, or secure file transfer instead at any time.
Who works on your file? Our own staff, and independent contractors we engage to assist us — including contractors located in the Philippines. They work only on our instructions and for our purposes, only on our own systems, and only with the access they need, under written confidentiality obligations. We remain accountable to you for your information while it is in their hands.
Is your information transferred internationally? Yes. Some of our service providers — including our email and productivity software, which is Microsoft 365 — are located in the United States, and some of our contractors are located in the Philippines, so your information may be stored, accessed, and processed outside of Canada.
How do we keep your information safe? We have organisational and technical processes and procedures in place to protect your personal information. However, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure.
What are your rights? Depending on where you are located, applicable privacy law may mean you have certain rights regarding your personal information.
How do you exercise your rights? The easiest way is by contacting us. We will consider and act upon any request in accordance with applicable data protection laws.
Personal information you disclose to us
In Short: We collect personal information that you provide to us.
We collect personal information that you voluntarily provide to us when you express an interest in obtaining information about us or our Services, when you participate in activities on the Services (such as our eligibility check or contact forms), or otherwise when you contact us.
Personal Information Provided by You. The personal information we collect depends on the context of your interactions with us and the Services, the choices you make, and the features you use. The personal information we collect may include the following:
Sensitive Information. When necessary, with your consent or as otherwise permitted by applicable law, we process the following categories of sensitive information:
All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.
Information automatically collected
In Short: Limited technical information — such as IP address and browser characteristics — is collected automatically by our hosting provider when you visit our Services.
Our website hosting provider automatically collects certain information when you visit, use, or navigate the Services. This information does not reveal your specific identity but may include device and usage information, such as your IP address, browser and device characteristics, operating system, referring URLs, and information about how and when you use our Services. This information is primarily needed to maintain the security and operation of our Services. We do not run advertising trackers and we do not build analytics profiles of visitors.
In Short: We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law.
We process your personal information for a variety of reasons, depending on how you interact with our Services, including:
We do not sell your personal information and we do not process it for third-party advertising.
In Short: We only process your personal information when we believe it is necessary and we have a valid legal reason (i.e. legal basis) to do so under applicable law, like with your consent, to comply with laws, to provide you with services, to protect your rights, or to fulfil our legitimate business interests.
We may process your information if you have given us specific permission (i.e. express consent) to use your personal information for a specific purpose, or in situations where your permission can be inferred (i.e. implied consent). You can withdraw your consent at any time.
In some exceptional cases, we may be legally permitted under applicable law to process your information without your consent, including, for example:
Express consent for sensitive information. Because health and financial information is sensitive, we rely on your express consent — given knowingly and voluntarily — to collect, use, and disclose it for the purpose of assessing and pursuing your claim. You give that consent by signing our engagement agreement, which states that you accept this privacy notice; the consents this covers are set out in plain language in "What you consent to when you engage us" at the top of this notice. We do not infer this consent merely from your visiting our website or submitting the eligibility form.
Before you sign. If you contact us before signing an engagement agreement and choose to tell us about your health as part of an inquiry, we treat your decision to send us that information, through the channel you chose, as your consent for us to receive it, use it to answer your inquiry, and reply to you through the same channel. We keep it to what is needed to respond to you, and we obtain your formal express consent when you sign.
Limiting collection. We collect only the personal information that is necessary for the purposes identified in this notice, and we collect it by fair and lawful means.
We will not require consent beyond what is necessary. In accordance with PIPEDA, we do not require you to consent to the collection, use, or disclosure of your personal information beyond what is necessary to provide the Services you have asked for, as a condition of providing those Services.
In Short: We may share information in specific situations described in this section and/or with the following categories of third parties.
We do not sell your personal information to third parties.
In Short: Only if you expressly agree. It is optional, it is never a condition of working with us, and you can withdraw it at any time.
Some clients come to us through a referral — for example from a community organization, a professional advisor, a support group, a healthcare provider, or a past client. Where you were referred to us by a third party, we may ask for your express consent to confirm back to that referral source that you engaged our Services and that a disability or disability-related tax refund or benefit was successfully obtained.
Where you give that consent, the confirmation we provide is limited to:
We do not disclose to a referral source your diagnosis or any medical information, the contents of your application or medical certification, the dollar amount recovered, the tax years involved, or any other details of your file.
Because the fact that a person has a disability is sensitive information, we treat this disclosure as one that requires your clear and informed consent. Your acceptance of this privacy notice when you sign our engagement agreement provides that consent — which is why we set it out in plain terms in "What you consent to when you engage us" at the top of this notice, rather than leaving it buried here.
This consent is optional and is not a condition of our Services. In accordance with PIPEDA, we do not require it in order to act for you. You may decline it at any point — before you sign, at the time you sign, or at any time afterwards — by telling our Privacy Officer in writing, by email, or by telephone, using the details in section 16. You do not need to give a reason. Declining or withdrawing:
If we have already made a confirmation before you withdrew, we will make none afterwards.
In Short: With your consent, we use email and text message (SMS) to discuss your file — including health-related information. These channels are convenient but not fully secure, and you can ask us to stop using any of them at any time.
To assess and pursue your claim, we need to discuss information about your health, your medical certification, and your finances. With your consent, we may use the following channels to do so:
What you should know before you consent. Standard email and SMS are convenient, but they are not fully secure. Messages may pass through and be stored on servers operated by third parties, including outside Canada (see section 7); may remain on your device; may be visible on a lock screen or to anyone with access to your device, phone plan, or email account; and may reach the wrong person if an address or number is entered incorrectly. We cannot guarantee the confidentiality of information sent over these channels. We tell you this so that your consent is informed.
About WhatsApp. Our website offers a WhatsApp button as a convenience. The content of WhatsApp messages is end-to-end encrypted, but WhatsApp is operated by Meta, a company based in the United States, and Meta collects information about your use of the service — including the fact that you contacted us and when. If you would prefer that no such record exist, please use telephone, email, or postal mail instead.
How we limit the risk. We include only the information reasonably needed for the matter at hand. We do not send complete medical documentation or full application packages by SMS or WhatsApp, and we use secure file transfer for documents wherever practical.
Communication within our team. We also discuss your file among the people working on it — including the independent contractors described in section 4 — by email and through our internal business systems. That communication takes place on the business platform described in section 7, under our own control and our own security and retention settings, and not on personal email accounts. Only those working on your file are included, and the same limit applies as above: we include only the information reasonably needed for the matter at hand. A contractor who emails you about your file is communicating with you on our behalf and is subject to everything in this notice, including your right to change or restrict the channel we use.
You stay in control. Giving us your email address or phone number and communicating with us through it indicates your consent for us to reply by the same channel. You may tell us at any time — including before we have used a channel at all — to stop using a particular one, for example to use telephone or postal mail only, or to send documents only through a secure link. Just contact us using the details in section 16 and we will honour that request from the moment we receive it. Choosing a more restricted channel may make some steps take longer, but it costs nothing and will not affect our willingness to act for you or the cost of our Services.
We will use these channels for messages about your file and our Services. We will not send you commercial or promotional electronic messages without the consent required under Canada's Anti-Spam Legislation (CASL), and any such message will identify us and include a way to unsubscribe.
In Short: Yes — some of the software providers we use are based in the United States, and some of the contractors who work on your file are located in the Philippines.
We use third-party software and infrastructure providers to operate our Services and run our business, some of which are located outside of Canada, including in the United States. These include our website hosting and form-processing providers, and our email, communication, document storage, and productivity software. As a result, your personal information — including information you send us by email — may be transferred to, stored in, and processed in the United States or other countries, where the privacy and data protection laws may differ from, and may not be as protective as, the laws of Canada.
Our email and productivity platform. We use Microsoft 365 — including Outlook for business email, and Microsoft's associated document storage and collaboration services — to operate our business and to communicate with you and among our team. Microsoft acts as our service provider, processes information on our instructions under its data protection terms, and does not use the contents of your messages for advertising. Depending on the service involved, message content and attachments may be stored or processed in Canada, the United States, or other countries in which Microsoft operates.
Contractors located in the Philippines. As described in section 4, some of the people who work on your file are independent contractors located in the Philippines. They access your information — including your health information — through our own Microsoft 365 systems rather than holding their own separate copies, and they may communicate with you and with our team by email from our business email accounts. This means your personal information may be accessed from, and processed in, the Philippines. The Philippines has national privacy legislation — the Data Privacy Act of 2012, overseen by its National Privacy Commission — and we additionally require each contractor by written agreement to protect your information to a standard comparable to the protection it would receive in Canada, to use it only for our purposes, and to report any security incident to us immediately.
Consistent with our obligations under PIPEDA, we remain responsible and accountable for your personal information when it is in the hands of a third-party service provider or a contractor working for us, including when they are located outside Canada. We use contractual and other reasonable safeguards to require that they protect your information to a standard comparable to the protection it would receive in Canada, and we only transfer the information necessary for them to perform their function for us.
Please note that while your personal information is in another country, it may be accessible to that country's courts, law enforcement, and national security authorities under that country's laws, without your knowledge or consent, and regardless of the protections we have put in place. This is true of the United States (for example under the USA PATRIOT Act) and of the Philippines. We cannot override foreign law, which is why we tell you plainly that it applies. By using our Services or providing us with your personal information, you acknowledge that it may be processed and stored outside of Canada as described in this section. If you have questions about our cross-border data transfers, please contact us using the details in the "HOW CAN YOU CONTACT US ABOUT THIS NOTICE?" section below.
In Short: We do not set marketing or analytics cookies.
We do not use cookies or similar tracking technologies for marketing or analytics. Essential cookies or server logs may be used by our hosting provider as needed to operate and secure the website.
In Short: We keep your information for as long as necessary to fulfil the purposes outlined in this privacy notice unless otherwise required by law.
We will only keep your personal information for as long as it is necessary for the purposes set out in this privacy notice — typically the duration of your inquiry or engagement plus any period required by law (such as tax-related record-keeping requirements). When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymise such information.
In Short: We aim to protect your personal information through a system of organisational and technical security measures, appropriate to how sensitive the information is.
We have implemented appropriate and reasonable technical and organisational security measures designed to protect the security of any personal information we process. Because we handle health and financial information, we apply safeguards proportionate to that sensitivity, and we limit access to your information to those who need it to do their work. However, despite our safeguards and efforts to secure your information, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorised third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information.
If a breach occurs. If a breach of our security safeguards occurs and it is reasonable in the circumstances to believe that the breach creates a real risk of significant harm to you, we will report the breach to the Office of the Privacy Commissioner of Canada and notify you as soon as feasible, as required by PIPEDA. We will also notify any other organization or government institution that may be able to reduce the risk of harm. We maintain records of every breach of security safeguards involving personal information for at least 24 months.
In Short: We do not knowingly collect data directly from children.
Information about children is provided to us by their parents or guardians in connection with a possible claim. We do not knowingly collect personal information directly from children. If you become aware of any data we may have collected directly from a child without appropriate consent, please contact us.
In Short: Under PIPEDA, you may access, correct, or withdraw your consent to the use of your personal information at any time, depending on your province of residence and applicable law.
Subject to applicable law, you may request access to the personal information we hold about you, ask us to correct it, withdraw your consent to our processing of it, or ask us to delete it. On request, we will also tell you how your personal information has been used and to whom it has been disclosed. Withdrawing consent is subject to legal or contractual restrictions and reasonable notice, and will not affect the lawfulness of processing before the withdrawal. To exercise any of these rights, contact our Privacy Officer using the details in section 16.
How we respond to access requests. We will respond to your request within 30 days of receiving it, at no cost or at minimal cost to you. If we need an extension permitted by PIPEDA, we will tell you within those 30 days and explain why. In limited circumstances set out in PIPEDA, we may not be able to provide all of the information requested — for example where doing so would reveal personal information about another person, where the information is protected by solicitor-client privilege, or where it would compromise an investigation. If we refuse a request in whole or in part, we will tell you in writing, explain the reasons, and tell you how to complain.
Keeping your information accurate. We will keep the personal information we use as accurate, complete, and up to date as is necessary for the purposes for which it is used. If you tell us that information we hold is inaccurate or incomplete, we will correct it, and where appropriate we will send the corrected information to any third party to whom we disclosed it.
If you believe we are unlawfully processing your personal information, you also have the right to complain — see section 14 below.
Most web browsers and some mobile operating systems include a Do-Not-Track ("DNT") feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. As we do not track visitors across websites, we do not respond differently to DNT signals — no tracking occurs either way.
In Short: Contact our Privacy Officer first — we investigate every complaint we receive. If you are not satisfied, you can escalate to the Office of the Privacy Commissioner of Canada.
If you have a concern or complaint about how we have handled your personal information, please contact our Privacy Officer using the details in section 16. You do not need to use any special form, and there is no cost to make a complaint.
We will acknowledge your complaint, investigate all complaints we receive, and tell you the outcome of our investigation. If we find that a complaint is justified, we will take appropriate corrective action, including amending our policies and practices where necessary.
If you are not satisfied with our response, you may complain to the Office of the Privacy Commissioner of Canada (toll-free 1-800-282-1376), or to your provincial privacy regulator — for example the Commission d'accès à l'information in Quebec, or the Office of the Information and Privacy Commissioner in Alberta or British Columbia.
In Short: Yes, we will update this notice as necessary to stay compliant with relevant laws.
We may update this privacy notice from time to time. The updated version will be indicated by an updated version number and "Last updated" date at the top of this privacy notice. We encourage you to review this privacy notice frequently to be informed of how we are protecting your information.
Which version applies to you. This notice is versioned and dated at the top. If you have signed an engagement agreement with us, the version of this notice in effect on the date you signed governs your engagement. We retain every prior version, and we will give you a copy of the version that applies to you on request, free of charge — just ask our Privacy Officer.
We do not apply material changes retroactively. If we make a material change to how we collect, use, or disclose the personal information of an existing client, we will notify that client directly, and where the change requires it under PIPEDA we will seek fresh consent. We will not rely on your earlier acceptance of this notice to justify a materially different use of your information.
If you have questions or comments about this notice — including about how to exercise your privacy rights under PIPEDA — you may contact our Privacy Officer at:
1000673388 Ontario Inc. o/a Maple Key Financial
Attn: Privacy Officer
537 Wilson Heights Blvd, Suite #204
Toronto, ON M3H 2V7, Canada
contact@maplekeyfinancial.com · (647) 558-0399
Based on the applicable laws of Canada, you may have the right to request access to the personal information we collect from you, details about how we have processed it, correct inaccuracies, or delete your personal information. To request to review, update, or delete your personal information, please contact us at contact@maplekeyfinancial.com. We will respond in accordance with applicable privacy law.
Benefits apply at every age — this helps us point you to the right programs.
ADHD, anxiety, autism, chronic illness, mobility, memory loss — physical or mental.
Longer history usually means more retroactive years.
Two quick details that shape the estimate.
A specialist will call you within one business day. No cost, no obligation.
Thank you — we'll call you within one business day.
If it's urgent, call us now at (647) 558-0399.