7項稅收抵免，65歲必須在4月30日前申請，輕鬆獲得3000加元

7項隱藏稅收抵免，每位65歲以上的加拿大人都必須在4月30日前申請，輕鬆獲得3000加元

加拿大養老金服務台 2026年3月18日

https://www.youtube.com/watch?v=LoUoS86acdM

7項隱藏稅收抵免，每位65歲以上的加拿大人都必須在4月30日前申請（輕鬆獲得3000加元）——加拿大稅務局不會提醒您。請在截止日期前申請，否則將永遠失去這些機會。

本視頻中：來自加拿大養老金服務台的Umer將為您詳細介紹7項真實有效的稅收抵免，這些抵免可以通過直接存款的方式將3000加元或更多返還到您的賬戶中——其中一項高達7250加元，甚至連稅務專業人士都可能忽略。在2026年4月30日之前，您將確切地了解需要填寫哪些加拿大稅務局 (CRA) 表格、提交哪些表格編號，以及加拿大各地老年人目前正在使用的資格漏洞。

已核實：所有金額和截止日期均直接來自加拿大稅務局 (CRA) 和加拿大服務部 (Service Canada) 2026 年的數據。

本次更新內容：

? 年齡補貼：在 30100 行申請最高 9,028 加元——這意味著 1,354 加元將真正落入您的口袋，而不是進入加拿大稅務局的口袋。

? 隱藏的房屋翻新補貼：在 31285 行申請房屋建築稅收抵免 (HATC) 可獲得最高 1,450 加元的補貼，用於購買扶手、樓梯升降機和坡道——而且僅限 2025 年，您可以同時申請房屋改造稅收抵免 (METC)。此窗口將於2026年4月30日後永久關閉。

? 7,250加元可退還支票：房屋翻新稅收抵免（MHRTC）第45355行——加拿大稅務局（CRA）將直接存入您賬戶，最高可達7,250加元，適用於為老年人進行房屋翻新的家庭。即使您無需繳納任何稅款，這筆錢也會到賬。

? 省級提醒——安大略省和紐芬蘭-拉布拉多省：安大略省居家養老稅收抵免為70歲以上居民提供最高1,500加元的可退還抵免。紐芬蘭-拉布拉多省年收入低於30,078加元的老年人，除商品及服務稅/統一銷售稅（GST/HST）抵免外，每年還可額外獲得1,551加元的免稅補助。

? 2026年4月30日截止日期：錯過此日期將立即麵臨5%的罰款——此外，您的商品及服務稅/統一銷售稅（GST/HST）抵免、政府補助金（GIS）和省級福利也將全部停止。請立即提交。

? 十年追溯漏洞：符合條件的年長者可使用 T1-ADJ 表格和 T2201 表格，追溯至長達十年的殘疾稅收抵免和醫療費用抵免。有些人甚至追回了 1 萬至 2 萬美元的款項，而他們此前對此毫不知情。

視頻概要：

0:00 — 加拿大稅務局 (CRA) 目前扣留了您的 3,000 加元 — 以下是如何追回的方法

2:00 — 抵免額 #1：年齡金額 — 第 30100 行，最高可節省 1,354 加元

4:30 — 抵免額 #2：養老金收入金額 — 第 31400 行，以及 CPP/OAS 錯誤導致您損失 300 多加元

7:00 — 抵免額 #3：商品及服務稅/統一銷售稅抵免 — 2026 年的確切付款日期以及如果存款遺漏該怎麽辦

9:30 — 抵免額 #4：住房援助稅收抵免 (HATC) — 第 31285 行，僅限 2025 年的雙重申報策略，在本報稅季結束後將永久失效

12:00 — 抵免額 #5：醫療費用稅收抵免 — 第 33099 行33199，大多數老年人從未聽說過的40公裏出行規則

15:00 — 稅收抵免#6：殘疾人稅收抵免 — T2201 表格，哪些人真正符合資格，以及高達 20,000 美元的追溯性申請

18:30 — 稅收抵免#7：MHRTC — 第 45355 行，幾乎無人知曉的 7,250 美元可退還支票

22:00 — 每年讓加拿大老年人損失數千美元的 5 個致命錯誤 — 避免每一個錯誤

涵蓋主題：

年齡金額（第 30100 行）· 養老金收入金額（第 31400 行）· GST/HST 直接存款抵免（第 2026 行）· 房屋無障礙稅收抵免（第 31285 行）· 醫療費用稅收抵免（第 33099 和 33199 行）· 殘疾人稅收抵免表格 T2201 · 多代同堂房屋改造稅收抵免項目 45355 · 養老金收入拆分表 T1032 · 2026 年老年保障金 (OAS) 追回門檻 · 注冊退休收入基金 (RRIF) 預扣稅陷阱 · T1-ADJ 表格追溯申請 · 保障收入補助金 (GIS) 資格

加拿大稅務局 (CRA) 目前扣留了您的 3,000 加元——以下是如何將其追回的方法

目前，成千上萬的加拿大老年人65 歲及以上讓超過 3,000 加元留在加拿大稅務局 (CRA)。並非因為他們做錯了什麽，也並非因為他們不符合資格，而僅僅是因為沒有人告訴他們有這些抵免項目。

這種情況今天將結束。我叫 Umar，這裏是加拿大養老金幫助台，致力於保護您的養老金，保護您的福利，並確保加拿大稅務局 (CRA) 不會從您的口袋裏多拿一分錢。

今天，我將帶您了解七項具體的稅收抵免，每位 65 歲及以上的加拿大人都可以享受這些稅收抵免。加拿大稅務局 (CRA) 不會自動提醒您以下抵免：

您必須在 2026 年 4 月 30 日之前申報的抵免否則，您將失去本年度的抵免資格。

其中一些抵免價值數百加元。一些抵免價值超過一千加元。如果您正確計算所有七項抵免，我們談論的是潛在價值 3,000 加元或更多的款項，直接返還到您的銀行賬戶。

請觀看完整視頻，因為在視頻中途，我將揭示一項即使是經驗豐富的稅務專業人士每年都會錯過的抵免，這項抵免可能價值高達7,250 加元，您的家庭絕對不能錯過。

現在讓我們來看看第一項抵免。第一項抵免是聯邦納稅申報表第 3100 行的年齡抵免額。如果您年滿 65 歲或以上，這是您申報表上必須填寫的第一項抵免。沒有其他抵免。例外情況。

 

2025 納稅年度，最高可申報金額為 9,028 加元。

現在，我想明確說明這是什麽意思，因為很多加拿大人對此存在誤解。這 9,028 加元並非加拿大稅務局 (CRA) 的支票，而是直接抵免額，用於減少您應繳納的稅款。

抵免額 #1：年齡抵免額 — 第 30100 行，最高可節省 1,354 加元。

按目前的聯邦稅率 14.5% 計算，全額年齡抵免額相當於最高 1,354 加元的實際減稅。

這筆錢將留在您的賬戶中，而不是上繳給政府。以下是您需要了解的收入規則。

如果您的淨收入為 45,522 加元或以下，您將獲得全額抵免。

一旦您的收入超過該金額，抵免額將開始減少。

當您的收入達到約 15,000 加元時，抵免額將完全消失。所以對於中低收入的老年人來說，這是您整個報稅過程中最強大的工具之一。

而大多數老年人並不知道這一點。

如果您的收入太低，以至於您自己無法使用全部的年齡補貼額度，您可以將未使用的部分轉移給您的配偶或同居伴侶。這意味著即使您個人無需繳稅，您的家庭仍然可以受益。這筆錢留在您的家庭中，而不是上繳給政府。

當您提交報稅表時，無論您是使用經認證的稅務軟件還是專業人士，請確保第 3100 行填寫正確。如果您使用加拿大稅務局 (CRA) 的自動填寫我的報稅表功能，請務必親自仔細檢查這一行。

僅第一項抵免額就已高達 1354 加元。第二項抵免額有一條規則，每年都會讓成千上萬的老年人感到困惑。讓我現在就為您解釋清楚。

第二項抵免是養老金收入，金額列於第 31400 行。

規則很簡單，但非常具體。如果您在2025 年收到符合條件的養老金收入，您可以申請最高 2,000 加元的不可退還抵免，聯邦稅率為14.5%。這相當於 300 加元的聯邦稅收節省，而且大多數省份還會在此基礎上提供相應的抵免。然而，每年都有成千上萬的加拿大人在這裏犯下代價高昂的錯誤。

加拿大稅務局 (CRA) 對符合條件的養老金收入的定義不包括加拿大養老金計劃 (CPP) 和老年保障金 (OAS)。我要再次明確地說明這一點。CPP 和 OAS 不符合這項抵免的條件。那麽，什麽符合條件呢？RIFF 提款符合條件。雇主注冊抵免額 #2：養老金收入金額 — 第 31400 行以及因 CPP/OAS 錯誤導致您損失 300 加元養老金計劃付款符合條件。年金付款符合條件。終身收入基金付款符合條件。因此，如果您將您的 RRSP 轉換為 RRIF（大多數加拿大人必須在年滿 71 歲那年年底之前完成轉換），您從該 RRIF 中提取的每一筆款項都屬於符合條件的養老金收入。您將自動獲得這項抵免額。這裏有一個與此抵免額相關的強大額外策略。

如果夫妻一方的養老金收入遠高於另一方，您可以將高達 50% 的符合條件的養老金收入分配給收入較低的配偶。這是使用 T2032 表格進行的養老金收入分割。這樣做之後，收入較低的配偶也可以申請養老金收入金額，從而有效地使您家庭的抵免額翻倍。這僅此一項策略就可能為您節省高達 600 美元。

請記住，CPP 和 OAS 不能使用表格T.032 進行拆分，隻有符合條件的養老金收入才能拆分。請務必記住這一點，以免犯下代價高昂的錯誤。

第三項抵免是許多老年人認為自己不符合資格的。

當我解釋清楚後，我想您會非常驚喜。

第三項抵免是 GST/HST 抵免。

我知道你們中的一些人認為你們已經了解這項抵免。但是，您真的知道自己應該收到多少嗎？您知道這些款項應該何時到賬嗎？

因為即使隻漏收了一期季度款項，加拿大稅務局 (CRA) 也欠您錢，而您還沒有收到。

在 2025 納稅年度，單身老年人每年最多可獲得 533 美元。

一對老年夫婦每年最多可獲得 1,066 美元。

這些款項按季度支付。 2026 年的付款日期為：

1 月 3 日、4 月 4 日、7 月 4 日 和 10 月 3 日。請記下這些日期。如果 付款未在這些日期到賬，請立即聯係加拿大稅務局 (CRA)。關於這項抵免，最需要了解的是：CRA 不會向您發送單獨的申請表。GST/HST抵免會在您提交所得稅申報表時自動評估。

沒有申報表，就沒有抵免。就這麽簡單。這項抵免也是全額可退的。這意味著即使您無需繳納任何稅款，抵免 #3：GST/HST 抵免——2026 年的確切付款日期以及如果存款缺少稅款該怎麽辦CRA 仍然會將這筆錢存入您的賬戶。

對於一位依靠適度固定收入生活的老年人來說，每年 500 加元 可以支付一個月的食品雜貨費用。這筆錢屬於您。

請確保您按時提交申報表，以便獲得這筆錢。如果您居住在紐芬蘭和拉布拉多省，除了聯邦商品及服務稅 (GST) 和統一銷售稅 (HST) 抵免外，您還可以獲得額外的省級老年人福利。

如果您調整後的家庭淨收入如果您的年收入$30,78或更少，您每年可能獲得額外的$1,551免稅金額。這是一筆可觀的額外資金，可供該省的低收入老年人使用。

第四項抵免最讓老年人感到意外。

因為您可能已經支付的裝修費用可能意味著您可以從加拿大稅務局 (CRA) 獲得 $1,500 的返還，而且大多數人從未申請過。

第四項抵免是居家無障礙稅收抵免 (HATC)，可在 31285 行找到。如果您年滿 65 歲或符合殘疾人稅收抵免的資格，並且您在 2025 年對您的房屋進行了改造，使其更安全或更方便出入，您可以申報高達 $10,000 的符合條件的支出。

抵免額為這些支出的 14.5%，這意味著您最多可以獲得 $1,450 的返還。哪些符合條件？浴室扶手、樓梯升降椅、加寬的輪椅通道、步入式浴缸、輪椅坡道、防滑地板。這些都是老年人每年都要支付的實際費用，而且他們中的大多數人並沒有申請房屋無障礙稅收抵免 (HTC)。

請開始保留這些收據。現在，這裏有一條信息，是2025納稅年度獨有的，而且這個機會在本報稅季之後就永遠消失了。

僅限2025年，您可以同時申報同一筆符合條件的房屋改造費用，同時申請房屋無障礙稅收抵免和醫療費用稅收抵免。加拿大稅務局 (CRA) 特此允許在2025納稅年度這樣做。

從2026納稅年度開始，此選項將永久取消。如果您在2025年進行了符合條件的房屋改造，這是您唯一一次同時申請兩項稅收抵免的機會。不要錯過這個機會！

抵免額 #4：HATC——第 31285 行，僅限 2025 年的雙重申報策略，在本報稅季結束後將永久失效。

對於正在觀看此內容的家庭成員來說，同樣重要的是：

您不必是老年人本人才能申請 HATC。如果您為符合條件的房屋裝修支付了費用，而符合條件的老年人或殘疾人士居住的房屋，您或許可以在自己的報稅表中申請這項抵免。

請谘詢您的稅務顧問，了解具體情況。

抵免額 #5 涵蓋了許多老年人多年來一直在支付的費用，但從未從加拿大稅務局 (CRA) 獲得任何退款。這種情況即將改變。

抵免額 #5 是醫療費用稅收抵免，位於第 33099 行和 33199 行。

這是整個加拿大稅製中最廣泛且最未被充分利用的抵免之一。作為老年人，您幾乎肯定有一些符合條件的醫療費用，但您從未申報過。以下是申報門檻的運作方式。

您可以申報符合條件的醫療費用，超過以下兩者中的較小者：2,834 美元或您 2025 年淨收入的 3%。

一旦您的費用超過該門檻，超出部分的每一美元都可以作為抵免額申報。

符合條件的費用清單比大多數人想象的要長得多。處方藥、牙科治療，包括假牙和種植牙、助聽器和電池、眼鏡、輪椅和助行器、療養院護理費用、護理員服務、救護車服務，以及一項幾乎所有人都忽略的費用：前往您所在地區無法提供的醫療機構就醫的交通費用。

如果您單程至少行駛 40 公裏去看專科醫生，您的交通費用符合條件。如果超過 80 公裏，您的住宿費用也符合條件。

如果您居住在鄉村或偏遠地區，並且開車去城市就醫，那麽每次就醫都應該在您的納稅申報表中申報。

您還可以申報配偶和受撫養親屬的醫療費用。

例如，如果您支付了配偶的助聽器費用，這符合條件。

如果您支付了年邁父母的養老院費用，這符合條件。

對於從未用過這項稅收抵免的老年人來說，這項抵免最強大的功能在於：

加拿大稅務局 (CRA) 允許您追溯最多 10 年，並使用 T1 ADJ 表格對之前的

納稅申報表進行調整。如果您在 2015 年及以後的任何一年有重大醫療支出，但從未申報過，您或許可以追回這筆抵免額 #5：醫療費用稅收抵免——第 33099 行和 33199 行，以及大多數老年人從未聽說過的 40 公裏出行規則如今，這筆錢對於一些老年人來說，這項追溯性申請可能價值數千加元。現在，請繼續聽我說，因為第六項稅收抵免是加拿大最常被錯過的抵免。

第七項稅收抵免可以直接讓您拿到 7,250 加元。我們現在就來談談這兩項。

第六項稅收抵免是殘疾人稅收抵免。

首先，我想談談大多數老年人從未申請這項抵免的最大原因。他們認為自己不符合資格，因為“殘疾”這個詞聽起來太極端了。

他們認為這意味著完全喪失功能。加拿大稅務局 (CRA) 的定義並非如此。

CRA 將殘疾定義為身體或精神功能的嚴重且長期障礙，持續或預計將持續至少12 個月，並且嚴重影響您的日常活動。

限製您行動的慢性疼痛。嚴重的視力或聽力障礙老年人房屋翻新稅收抵免最高可達 7,250 加元以可直接退還的方式支付給符合條件的家庭。

僅前五項抵免就能讓許多中等收入的加拿大老年人獲得3,000 加元或更多的節省和直接付款。

加上殘疾人稅收抵免和 MHRTC，金額將大幅增加但這一切都不會自動發生。

沒有行動，一分錢也不會出現在您的賬戶中。

您必須在2026 年 4 月 30 日之前提交2025 年的納稅申報表。

這是不可協商的截止日期。

如果您錯過了 4 月 30 日，並且您欠稅，加拿大稅務局 (CRA) 將立即收取逾期申報罰款，金額為欠款金額的 5%外加每月 1% 的罰款，最多可達12 個月。

這是一筆實實在在的經濟罰款，而且是在您已經欠稅的基礎上額外增加的。但錯過截止日期的後果遠不止罰款。

如果您不按時申報，您的商品及服務稅 (GST) 和統一銷售稅 (HST) 抵免金將停止發放。您的低收入老年人保障收入補助金 (GIS) 可能會被延遲或中斷，因為它每年都會根據您的納稅申報表重新計算。您的省級福利金也可能被延遲發放。加拿大稅務局 (CRA) 需要您的納稅申報表來確認您符合哪些資格。否則，您的款項將停止發放。請按時申報。加拿大稅務局已於 2026 年 2 月 23 日開始接受電子申報。如果您尚未提交 2025 年的納稅申報表，請立即提交。

現在，我想談談每年都會讓加拿大老年人損失真金白銀的錯誤。這些陷阱我經常在本頻道的評論和問題中看到。第一個錯誤是根本不申報。許多低收入老年人認為他們不需要申報，因為他們不欠稅。這是完全錯誤的。提交報稅表是觸發我們今天討論的幾乎所有福利和抵免的必要條件。即使您在2025年沒有收入，也請提交報稅表。它是免費的，快捷的，並且可以保障您有權享受的每一項福利。第二個誤區是將加拿大退休金計劃 (CPP) 分割與養老金收入分割混淆。這是兩個完全不同的流程。

CPP 分割，即與您的配偶分割您的加拿大退休金計劃福利，需要直接向加拿大服務部 (Service Canada) 提交正式申請。這不能在您的納稅申報表中完成。養老金收入分割（包括退休收入基金 (RIFF) 和年金收入）則需要在您的納稅申報表中使用 T2032 表格完成。

請務必了解其中的區別，並通過正確的渠道申請正確的方案。

第三個誤區是股息總額計算陷阱。如果您持有派息股票或 ETF，加拿大稅務局 (CRA) 不會使用您的實際股息收入來計算老年保障金 (OAS) 的追回金額，而是會將其總額計算。對於符合條件的股息，加拿大稅務局 (CRA)

將每 1 加元的股息收入視為 1.38 加元，用於計算收入門檻。因此，以下 5 個致命錯誤每年讓加拿大老年人損失數千加元——務必避免每一個錯誤：

10,000 加元的符合條件的股息收入計入您老年保障金 (OAS) 追繳門檻的13,800 加元門檻為 93,454 加元。

這可能會使您意外地超過追繳門檻，並觸發您未預料到的追繳稅款。

如果您持有分紅型投資，請與財務顧問仔細規劃。

第四個錯誤是

注冊退休收入基金 (RRIF) 預扣稅陷阱。許多金融機構不會自動從您的RRIF 最低提款額中

預扣所得稅。

您收到全額款項，花掉然後，在四月份，您將麵臨一份意想不到的稅單。解決方案是在您的金融機構設置自願預扣稅，或全年按季度向加拿大稅務局 (CRA) 繳納稅款。

第五個錯誤是跳過殘疾人稅收抵免 (DTC) 的預審批。

未經加拿大稅務局 (CRA) 通過 T2201 表格事先書麵批準，您無法在報稅表上申請殘疾人稅收抵免。不要等到報稅季才開始申請。

如果您認為自己符合資格，請立即谘詢您的醫生。我還想快速澄清一些在網上流傳的謠言，這些謠言正在讓老年人損失金錢。

謠言一：加拿大碳排放退稅仍然適用於提交報稅表的老年人。

事實是，聯邦燃油稅和加拿大碳排放退稅已於2025 年 3 月結束。最後一筆款項已於2025 年 4 月發放。不會再有個人退稅款項發放。

任何在2026 年告訴您情況並非如此的視頻或帖子都是在散布錯誤信息。

誤區二：HATC（老年人住房稅收抵免）能讓您在2025納稅年度獲得20,000加元的合格支出。

根據加拿大稅務局（CRA）現行的指導意見以及經認證的稅務軟件，HATC下的最高合格支出為10,000加元，因此最高抵免額約為1,450加元。

請谘詢您的稅務專業人士或訪問CRA官方網站以確認您的具體情況。

誤區三：每位提交申請的老年人都能獲得3,000加元的抵免。我想坦誠地告訴您，因為您有權知道真相。

3,000加元是多個抵免項目疊加後的潛在金額。您的最終金額取決於您的收入、您所在的省份、您的實際支出以及您的具體稅務情況。一些老年人可能會獲得更多，尤其是在追溯申請殘疾人稅收抵免（DTC）或心理健康和住房稅收抵免（MHRTC）的情況下。如果收入非常低，他們可能會獲得較少的抵免。應繳稅款極少，但您有權享受的每一項稅收抵免都值得申請。每一分錢都是您的。以下是您在2026年4月30日之前的明確行動清單。

第一步，確認您在報稅表第3100行申報了年齡金額。

第二步，收集所有退休收入基金（RAIF）報表、年金報表和雇主養老金報表，以了解養老金收入金額和養老金收入分配情況。

第三步，登錄您的加拿大稅務局（CRA）賬戶，核實您的商品及服務稅（GST）和統一銷售稅（HST）抵免狀態和付款金額。

第四步，收集2025年的所有房屋裝修收據。

對照房屋裝修稅收抵免（HATC）資格進行核對。

請記住，僅限2025年，這些費用可能同時符合HATC和醫療費用稅收抵免的條件。

第五步，匯總您2025年的所有醫療費用，包括處方藥、牙科、視力、聽力、就診交通費等。

對比2,834 美元門檻。

第六步。如果您或您的家人患有影響日常生活的長期健康問題，請立即從加拿大稅務局 (CRA) 網站下載 T2201 表格。並將其帶給您的醫生。

立即開始申請殘疾稅收抵免流程。第七步。如果您的家庭已經翻新或計劃翻新房屋以創建第二個單元，供老年人或殘疾家庭成員使用，請在加拿大稅務局 (CRA) 官方網站上查找有關 MHRTC 的信息，並在施工開始前谘詢您的稅務專業人士。

第八步，在2026 年 4 月 30 日之前提交您的 2025 年納稅申報表。

如果您已經提交了申報表但錯過了抵免額，請使用 T1 ADJ 表格或

您 CRA 我的賬戶中的“更改我的申報表”功能進行調整。

您最多有10 年的時間來追回您有權獲得但從未申請的抵免額。

如果本視頻今天對您有所幫助，我想請您做三件事。首先，請立即點擊

點讚按鈕。這完全免費，而且能告訴 YouTube 這條信息有價值，這有助於我們

接觸到更多需要保護自己資金的加拿大老年人。我們每周都會發布新視頻，涵蓋加拿大養老金計劃 (CPP)、老年保障金 (OAS)、收入保障補助金 (GIS)、加拿大稅務局 (CRA) 的最新動態，以及所有影響您在加拿大退休收入的信息。您一定不想錯過任何一個視頻。

 

第三，請立即在下方留言，告訴我這七項稅收抵免中，您之前不知道哪一項？

是殘疾人稅收抵免嗎？

是價值 7,000 加元的心理健康和家庭稅收抵免 (MHRTC) 嗎？

是僅限 2025 年的 雙重申請健康收入稅收抵免 (HiTC) 策略嗎？

請在評論區告訴我。我親自閱讀了每一條評論，並且想提前透露一下下周頻道即將發布的內容，因為它可能比今天的視頻更重要。

下周我將詳細講解2026年老年保障金（OAS）的追回機製，具體的收入門檻，加拿大稅務局（CRA）的具體計算方法，以及精明的加拿大老年人目前正在使用的三種法律策略，以保護他們的OAS免遭追回。

如果您正在領取OAS或計劃近期領取，那麽這個視頻今年可以幫您節省數千加元。請務必訂閱，以免錯過。我是來自加拿大養老金幫助台的Umar。您的養老金是您的權利。您的積分就是您的錢。

請在4月30日之前領取您應得的每一分錢。

7 Hidden Credits Every 65+ Canadian Needs to Claim Before April 30th Easy $3,000 

Canada Pension Helpdesk   2026年3月18日 

7 Hidden Credits Every 65+ Canadian Needs to Claim Before April 30th (Easy $3,000) — CRA will NOT remind you. Claim yours before the deadline or lose it forever.
IN THIS VIDEO: Umer from Canada Pension Help Desk breaks down 7 real, verified tax credits that could put $3,000 or more back into your account through Direct Deposit — including one worth $7,250 that even tax professionals miss. You will learn exactly which CRA lines to fill, which Form Numbers to submit, and which Eligibility Loopholes seniors across Canada are using right now before April 30th, 2026.

VERIFIED: All amounts and deadlines sourced directly via CRA & Service Canada 2026.
? JOIN OUR COMMUNITY:  / @canadapensionhelpdesk  

WHAT YOU GET IN THIS UPDATE:
? The Age Amount Payout: Claim up to $9,028 on Line 30100 — translates to $1,354 real money staying in your pocket, not the CRA's.
? The Hidden Renovation Credit: Line 31285 HATC gives you up to $1,450 back on grab bars, stair lifts, and ramps — and for 2025 ONLY, you can double-claim it under METC at the same time. This window closes forever after April 30th, 2026.
? The $7,250 Refundable Cheque: The MHRTC on Line 45355 — a direct CRA deposit worth up to $7,250 for families who renovated for a senior. Even if you owe zero tax, this money comes to you.
? Provincial Alert — Ontario & Newfoundland and Labrador: Ontario Seniors Care at Home Tax Credit gives 70+ residents up to $1,500 refundable. Newfoundland and Labrador seniors earning under $30,078 get an extra $1,551 non-taxable annually on top of GST/HST Credit.
? The April 30th, 2026 Deadline: Miss it and face a 5% penalty immediately — plus your GST/HST Credit, GIS, and provincial benefits all stop. File now.
? The 10-Year Retroactive Loophole: Using Form T1-ADJ and Form T2201, eligible seniors can recover Disability Tax Credit and Medical Expense credits going back up to 10 years. Some are recovering $10,000 to $20,000 they never knew they were owed.

VIDEO BREAKDOWN:
0:00 — CRA is holding your $3,000 right now — here is how to get it back
2:00 — Credit #1: Age Amount — Line 30100, up to $1,354 real tax savings
4:30 — Credit #2: Pension Income Amount — Line 31400 and the CPP/OAS mistake costing you $300+
7:00 — Credit #3: GST/HST Credit — exact payment dates for 2026 and what to do if a deposit is missing
9:30 — Credit #4: HATC — Line 31285, the 2025-only double-claim strategy that disappears forever after this filing season
12:00 — Credit #5: Medical Expense Tax Credit — Lines 33099 & 33199, the 40km travel rule most seniors have never heard of
15:00 — Credit #6: Disability Tax Credit — Form T2201, who really qualifies, and the retroactive claim worth up to $20,000
18:30 — Credit #7: MHRTC — Line 45355, the $7,250 refundable cheque almost nobody knows about
22:00 — The 5 deadly mistakes costing Canadian seniors thousands every year — avoid every single one

TOPICS COVERED:
Age Amount Line 30100 · Pension Income Amount Line 31400 · GST/HST Credit Direct Deposit 2026 · Home Accessibility Tax Credit Line 31285 · Medical Expense Tax Credit Lines 33099 33199 · Disability Tax Credit Form T2201 · Multigenerational Home Renovation Tax Credit Line 45355 · Pension Income Splitting Form T1032 · OAS Clawback Threshold 2026 · RRIF Withholding Tax Trap · Form T1-ADJ Retroactive Claim · GIS Guaranteed Income Supplement Eligibility

 

 

CRA is holding your $3,000 right now — here is how to get it back

Right now, thousands of Canadian seniors

aged 65 and older are leaving over

$3,000 sitting with the CRA. Not because

they did anything wrong, not because

they do not qualify, but simply because

nobody told them these credits exist.

That ends today. My name is Umar and

this is Canada Pension Help Desk, the

channel dedicated to protecting your

pension, protecting your benefits, and

making sure the CRA never takes a single

extra dollar from your pocket. Today, I

am walking you through seven specific

tax credits available to every Canadian

aged 65 and older. Credits that the CRA

will not automatically remind you about.

credits that you must claim before April

30th, 2026

or you lose them for this entire year.

Some of these credits are worth hundreds

of dollars. Some are worth over a

thousand. And when you stack all seven

together correctly, we are talking about

a potential value of $3,000 or more

going directly back into your bank

account. Stay with me through this

entire video because halfway through I

am going to reveal one credit that even

experienced tax professionals miss every

single year and it could be worth up to

$7,250

for your family. You absolutely cannot

afford to miss that. Let us get into

credit number one right now. Credit

number one is the age amount found on

line 3100 of your federal tax return. If

you are 65 or older, this is the very

first credit that must be on your

return. No exceptions.

For the 2025 tax year, the maximum

claimable amount is $9,028.

Now, I want to be crystal clear about

what this means because many Canadians

misunderstand it. That $9,028

is not a check from the CRA. It is a

credit amount that directly reduces the

Credit #1: Age Amount — Line 30100, up to $1,354 real tax savings

tax you owe. At the current federal rate

of 14.5%,

the full age amount translates to a real

tax reduction of up to $1,354.

That is money that stays in your account

instead of going to the government. Here

is the income rule you need to know. You

receive the full credit if your net

income is $45,522

or less. Once your income rises above

that number, the credit starts reducing.

It disappears completely once your

income reaches approximately $15,000.

So for lower and middle inome seniors,

this is one of the most powerful tools

on your entire return. And here is

something that most seniors do not know.

If your income is so low that you cannot

use the full age amount yourself, you

can transfer the unused portion to your

spouse or common law partner. That means

your household still benefits even if

you personally owe no tax. That is money

staying in your family, not going to the

government.

When you file your return, whether using

certified tax software or a

professional, make sure line 3100 is

correctly populated. If you use CRA's

autofill my return feature, always

double check this line yourself. That is

already $1354

just from credit number one. Credit

number two has a rule that confuses

thousands of seniors every single year.

Let me clear it up for you right now.

Credit number two is the pension income

amount found on line 31400.

The rule is simple but very specific. If

you received eligible pension income in

2025, you can claim up to $2,000 of that

income as a non-refundable credit at

14.5% federal rate. That is $300 in

federal tax savings, and most provinces

offer their own matching credit on top

of that. Now, here is where thousands of

Canadians make a costly mistake every

year.

The CRA definition of eligible pension

income for this credit does not include

CPP, the Canada Pension Plan, and it

does not include OAS, Old Age Security.

I am going to say that again clearly.

CPP and OAS do not qualify for this

credit. What does qualify? RIFF

withdrawals qualify. Employer registered

Credit #2: Pension Income Amount — Line 31400 and the CPP/OAS mistake costing you $300

pension plan payments qualify. Annuity

payments qualify. life income fund

payments qualify. So if you converted

your RRSP into a RRIF, which most

Canadians must do by the end of the year

they turn 71, every withdrawal you take

from that RARF is eligible pension

income. You automatically qualify for

this credit. Here is a powerful bonus

strategy connected to this credit. If

one spouse has significantly more

pension income than the other, you can

allocate up to 50% of that eligible

pension income to your lower income

spouse. This is pension income splitting

done using form T2032.

When you do this, the lower income

spouse can also claim the pension income

amount, effectively doubling the credit

value for your household. That is

potentially $600 in extra savings from

this one strategy alone. Remember,

CPP and OAS cannot be split using form

T.032,

only eligible pension income. Keep that

clear and you will avoid a very costly

mistake. Credit number three is one that

many seniors assume they do not qualify

for. When I explain it, I think you will

be very pleasantly surprised. Credit

number three is the GST, HST credit. I

know some of you are thinking you

already know about this one.

But do you know exactly how much you

should be receiving? And do you know

when those payments should hit your

account? Because if even one quarterly

payment is missing, that is money the

CRA owes you that you have not received.

For the 2025 tax year, a single senior

can receive up to $533

per year. A senior couple can receive up

to $1,066

per year. These payments arrive

quarterly. For 2026, the payment dates

are January 3rd, April 4th, July 4th,

and October 3rd. Mark those dates. If a

payment does not arrive on those dates,

contact the CRA immediately. The most

critical thing to understand about this

credit is this. The CRA does not send

you a separate application. The GST HST

credit is automatically assessed when

you file your income tax return. No

return means no credit. It is that

simple. This is also a fully refundable

credit. That means even if you owe zero

Credit #3: GST/HST Credit — exact payment dates for 2026 and what to do if a deposit is missing

taxes, the CRA will still deposit this

money into your account. For a senior

living on a modest fixed income, $500 a

year can cover a month of groceries.

That money belongs to you. Make sure you

are getting it by filing your return on

time. And if you live in Newfoundland

and Labrador, there is an additional

provincial senior's benefit on top of

the federal GST HST credit.

If your adjusted family net income is

$30,78

or less, you may receive an additional

non-t taxable amount of $1,551

annually. That is a significant amount

of extra money available to low-income

seniors in that province.

Credit number four is the one that

surprises seniors the most.

because renovations you may have already

paid for could mean $1,500 back from the

CRA and most people have never claimed

it. Credit number four is the Home

Accessibility Tax Credit known as HATC

found on line 31285.

If you are 65 or older or eligible for

the disability tax credit and you made

improvements to your home to make it

safer or more accessible in 2025, you

can claim up to $10,000 in eligible

expenses.

The credit is 14.5% of those expenses,

meaning up to $1,450

back in your pocket. What qualifies?

Grab bars in your bathroom, stair lifts,

widened doorways for wheelchair access,

walk-in bathtubs, wheelchair ramps,

non-slip flooring. These are real

expenses that real seniors pay every

single year, and most of them are not

claiming the HTC.

Start keeping those receipts. Now, here

is a piece of information that is

absolutely unique to the 2025 tax year,

and this opportunity is gone forever

after this filing season. For 2025 only,

you can claim the same eligible home

renovation expense under both the home

accessibility tax credit and the medical

expense tax credit at the same time. The

CRA allows this specifically for the

2025 tax year. Starting with the 2026

tax year, this option is permanently

eliminated. If you had a qualifying home

renovation in 2025, this is your one and

only chance to double claim it under

both programs. Do not let this window

close without taking advantage of it.

Credit #4: HATC — Line 31285, the 2025-only double-claim strategy that disappears forever after this filing season

Also important for family members

watching this, you do not have to be the

senior yourself to claim the hats. If

you paid for eligible renovations at a

home where a qualifying senior or a

person with a disability lives, you may

be able to claim this credit on your own

return. Speak with your tax preparer

about this specifically.

Credit number five covers expenses that

many seniors have been paying for years

without ever getting a single dollar

back from the CRA. That is about to

change.

Credit number five is the medical

expense tax credit found on lines 33099

and 33199.

This is one of the most expansive and

most underused credits in the entire

Canadian tax system. As a senior, you

almost certainly have eligible expenses

you have never claimed. Here is how the

threshold works.

You can claim eligible medical expenses

that exceed the lesser of $2,834

or 3% of your net income for 2025.

Once your expenses cross that threshold,

every dollar above it becomes claimable

as a credit. The list of what qualifies

is much longer than most people realize.

prescription medications, dental work,

including dentures and implants, hearing

aids and batteries, eyeglasses,

wheelchairs and walkers, nursing home

care costs, attendant care, ambulance

services, and one that is almost

universally missed. Travel to access

medical care not available in your local

area. If you travel at least 40 km one

way to see a specialist, your travel

costs qualify.

over 80 kilometers, your accommodation

costs also qualify.

If you live in a rural or remote

community and drive to the city for

medical care, every one of those trips

should be on your tax return. You can

also claim medical expenses for your

spouse and for dependent relatives. So,

if you paid for your spouse's hearing

aids, that qualifies. If you contributed

to an elderly parents nursing home fees,

that qualifies. And here is the most

powerful feature of this credit for

seniors who have never used it before.

The CRA allows you to go back up to 10

years and file adjustments to previous

returns using form T1 ADJ. If you had

significant medical expenses in any year

from 2015 onwards that you never

claimed, you may be able to recover that

Credit #5: Medical Expense Tax Credit — Lines 33099 & 33199, the 40km travel rule most seniors have never heard of

money today. For some seniors, that

retroactive claim can be worth several

thousand. Now, stay with me because

credit number six is the most commonly

missed credit in all of Canada. And

credit number seven could put $7,250

directly into your hands. We are getting

to both of them right now. Credit number

six is the disability tax credit. And

before anything else, I want to address

the single biggest reason most seniors

never claim this credit. They assume

they do not qualify because the word

disability sounds too extreme. They

think it means being completely unable

to function. That is not what the CRA

means. The CRA defines a disability as a

severe and prolonged impairment in

physical or mental functions that has

lasted or is expected to last at least

12 consecutive months and that

significantly affects your daily

activities.

Chronic pain that limits your movement.

Significant vision or hearing

impairment.

Difficulty walking, chronic fatigue that

affects your daily life, arthritis that

significantly restricts your activities,

memory problems, or cognitive decline.

Any of these conditions, if they have

been present for at least 12 months and

significantly affect your daily life,

may qualify you for the disability tax

credit.

For the 2025 tax year, the federal

disability base amount is $10,341.

The federal credit is 14.5% of that

amount, which equals approximately

$1,499

in federal tax savings. Add in your

provincial credit, and most eligible

seniors can save between $1,800 and

$2,300 per year.

But here is the critical rule. You

cannot simply claim the disability tax

credit on your return. You must first be

preapproved by the CRA.

This requires completing form T2201,

the disability tax credit certificate,

which must be signed by your doctor,

nurse practitioner, physiootherapist,

aiologist, or other qualified medical

professional.

You submit that form to the CRA. They

review it and either approve or deny

your eligibility. Once approved, you can

begin claiming. Without that

preapproval, your claim will be denied

every single time. Now, here is what

should motivate you to start this

process today. If you were eligible in

previous years, but never applied, the

CRA can approve your eligibility going

back up to 10 years. Every year you were

eligible and did not claim becomes a

retroactive credit. For some seniors,

that retroactive total is $10,000.

For others, it is 15 or $20,000.

That money is still available to you,

Credit #6: Disability Tax Credit — Form T2201, who really qualifies, and the retroactive claim worth up to $20,000

but only if you apply. Go to your

doctor, get form T2201 signed, submit it

to the CRA, start today. Credit number

seven is the big one. This is the credit

that almost nobody has heard of. It can

be worth up to $7,250

for your family and it is a direct

payment from the CRA even if you owe

zero tax.

Credit number seven is the

multi-generational home renovation tax

credit, the MHRTC, found on line 45355

of your federal return.

This credit was created specifically for

Canadian families who renovate their

home to create a secondary

self-contained unit where a senior or a

person with a disability can live. Here

is exactly how it works. If you

renovated your home to add a secondary

unit, a unit with its own private

entrance, its own kitchen, and its own

bathroom, so that a family member who is

65 or older or eligible for the

disability tax credit can live there

independently. you may qualify for this

credit. The maximum eligible renovation

expenses you can claim are $50,000.

The credit is 14.5% of those eligible

expenses. That means the maximum credit

value is $7,250.

And this is a refundable credit. Even if

you owe the CRA absolutely nothing in

taxes, they will still pay you this

credit as a direct deposit. This is real

money, not just a reduction in what you

owe.

Qualifying renovations include building

an in-law suite in your basement, adding

a secondary unit above your garage, or

renovating your main floor to create a

separate accessible apartment. As long

as the unit has a private entrance, a

kitchen, and a bathroom, and a

qualifying senior or disabled individual

will live there, you may be eligible.

There is one rule about this credit that

you must remember. You can only claim it

once per qualifying individual in their

lifetime.

one claim per person. So, plan

carefully, document all your renovation

expenses thoroughly, and confirm with

your tax professional that your

renovation meets the CRA's definition

before you begin any work.

If you are in Ontario, I also want to

highlight a bonus provincial credit

called the Ontario Seniors Care at Home

Tax Credit. This is a refundable credit

worth 25% of eligible home care expenses

up to a maximum credit of $1,500

for Ontario residents aged 70 or older

with low to moderate incomes.

This is in addition to all seven federal

credits we have discussed today. Now,

let me bring all of this together with

real numbers so you can see exactly what

we are talking about. Here is what a 65

plus Canadian senior could realistically

claim by stacking these seven credits

correctly. Age amount credit up to

$1,354

in federal tax savings. Pension income

amount up to $300 federal plus matching

provincial credit on top. GST HST credit

up to $533 for a single senior or over

$1,000 for a couple paid as four direct

deposits throughout the year. Home

accessibility tax credit up to $1,450

back on renovations you may have already

completed.

Credit #7: MHRTC — Line 45355, the $7,250 refundable cheque almost nobody knows about

Medical Expense Tax Credit. Highly

variable based on your actual expenses,

but for a senior with regular

prescriptions, dental costs, and

specialist visits. This can easily add

$500 to $1,000 in savings or more.

Disability tax credit up to $2,300 per

year if preapproved, plus the potential

for a retroactive claim worth $10,000 or

significantly more. Multi-generational

home renovation tax credit up to $7,250

as a direct refundable payment to

qualifying families. Stack the first

five credits alone and many moderate

income Canadian seniors are looking at

$3,000 or more in combined savings and

direct payments. Add the disability tax

credit and the MHRTC and that number

climbs dramatically.

But none of this happens automatically.

Not a single dollar shows up in your

account without action. You must file

your 2025 tax return before April 30th,

2026.

That is the non-negotiable deadline. If

you miss April 30th and you owe taxes,

the CRA immediately charges a late

filing penalty of 5% of the amount owing

plus 1% for every additional month up to

12 months. That is a real financial

penalty on top of what you already owe.

But the consequences of missing the

deadline go beyond penalties. If you do

not file on time, your GST HST credit

payments stop. Your GIS, the guaranteed

income supplement for low-income

seniors, can be delayed or interrupted

because it is recalculated every year

based on your tax return. Your

provincial benefits can be delayed. The

CRA needs your return to confirm what

you are eligible for. Without it, your

payments stop. File. File on time. The

CRA began accepting electronic returns

on February 23rd, 2026. If you have not

filed your 2025 return yet, do it today.

Now, I want to address the mistakes that

cost Canadian seniors real money every

single year. These are traps I see

repeatedly in comments and questions on

this channel. Mistake number one is not

filing at all. Many low-income seniors

believe they do not need to file because

they owe no taxes. This is completely

wrong. Filing your return is what

triggers almost every benefit and credit

we discussed today. Even if you had zero

income in 2025, file a return. It is

free, it is quick, and it protects every

benefit you are entitled to. Mistake

number two is confusing CPP splitting

with pension income splitting. These are

two completely separate processes.

CPP sharing, splitting your Canada

pension plan benefit with your spouse,

requires a formal application directly

to Service Canada. It cannot be done on

your tax return. Pension income

splitting for RIFF and annuity income is

done on your tax return using form

T2032.

Know the difference. Apply for the

correct one through the correct channel.

Mistake number three is the dividend

gross up trap. If you hold dividend

paying stocks or ETFs, the CRA does not

use your actual dividend income to

calculate OAS clawback. They gross it

up. For eligible dividends, the CRA

treats every $1 of dividend income as

$1.38

for income threshold purposes. So,

The 5 deadly mistakes costing Canadian seniors thousands every year — avoid every single one

$10,000 in eligible dividends counts as

$13,800

of income against your OAS clawback

threshold of $93,454.

This can push you unexpectedly over the

clawback threshold and trigger a

recovery tax you were not prepared for.

Plan carefully with a financial adviser

if you hold dividend producing

investments. Mistake number four is the

RRIF withholding tax trap. Many

financial institutions do not

automatically withhold income tax on

your minimum required RRIF withdrawals.

You receive the full amount, you spend

it, and then in April you face a

surprise tax bill. The solution is to

set up voluntary tax withholding with

your financial institution or make

quarterly tax installment payments to

the CRA throughout the year.

Mistake number five is skipping the DTC

preapproval.

The disability tax credit cannot be

claimed on your return without prior

written approval from the CRA through

the T2201 process. Do not wait until tax

season to start this. If you think you

qualify, go to your doctor today. Let me

also quickly address some myths

circulating online that are costing

seniors money. Myth one, the Canada

carbon rebate is still available for

seniors who file. The truth is the

federal fuel charge and the Canada

carbon rebate for individuals ended in

March 2025.

The final payment went out in April

2025.

There are no further individual rebate

payments coming. Any video or post

telling you otherwise in 2026 is sharing

misinformation.

Myth two, the hats gives you $20,000 in

eligible expenses for the 2025 tax year.

Based on current CRA aligned guidance

and certified tax software, the maximum

eligible expense under the HATC is

$10,000,

producing a maximum credit of

approximately $1,450.

Confirm your specific situation with

your tax professional or the official

CRA website. Myth three. $3,000 is

guaranteed for every senior who files. I

want to be completely honest with you

here because you deserve the truth. The

$3,000 figure is a potential stacked

value when multiple credits are

combined. Your individual result depends

on your income, your province, your

actual expenses, and your specific tax

situation. Some seniors will receive

more, especially with retroactive DTC or

MHRTC claims. Some may receive less if

their income is very low and they have

minimal tax owing, but every credit you

are entitled to is worth claiming. Every

single dollar is your money. Here is

your clear action list before April

30th, 2026.

Step one, confirm you are claiming the

age amount on line 3100 of your return.

Step two, gather all RAIF statements,

annuity statements, and employer pension

statements for the pension income amount

and pension income splitting. Step

three, log into your CRA my account and

verify your GST HST credit status and

payment amounts. Step four, collect all

home renovation receipts from 2025.

Check them against HATC eligibility.

Remember, for 2025 only, those same

expenses may qualify under both HATC and

the medical expense tax credit

simultaneously.

Step five, add up all your 2025 medical

receipts, prescriptions, dental, vision,

hearing, travel to appointments. Compare

to the $2,834

threshold.

Step six. If you or a family member has

a long-term health condition affecting

daily life, download form T2201 from the

CRA website today. Take it to your

doctor.

Start the disability tax credit

application process now. Step seven. If

your family renovated or is planning to

renovate a home to create a secondary

unit for a senior or disabled family

member, research the MHRTC on the

official CRA website and speak with your

tax professional before work begins.

Step eight, file your 2025 tax return

before April 30th, 2026.

If you already filed and missed a

credit, file an adjustment using form T1

ADJ or the change my return feature

inside your CRA my account. You have up

to 10 years to recover credits you were

entitled to but never claimed. If this

video helped you today, I want to ask

you for three things. First, hit the

like button right now. It costs you

nothing and it tells YouTube that this

information is valuable which helps us

reach more Canadian seniors who need to

protect their money.

Second, if you are not yet subscribed to

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subscribe and turn on your

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We publish new videos every single week

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miss a single video.

Third, drop a comment below right now

and tell me which of these seven credits

did you not know about before today?

Was it the disability tax credit? Was it

the MHRTC worth $7,000?

Was it the 2025 only double claim

strategy on the HiTC? Tell me in the

comments. I personally read every single

one and I want to give you a preview of

what is coming next week on this channel

because it may be even more important

than today's video. Next week I am

breaking down exactly how the OAS

clawback works in 2026,

the exact income threshold, the exact

CRA calculation,

and the three legal strategies that

smart Canadian seniors are using right

now to protect their OAS from being

clawed back.

If you are collecting OAS or plan to

collect it soon, that video could save

you thousands of dollars this year. Make

sure you are subscribed so you do not

miss it. This is Umar from Canada

Pension Help Desk. Your pension is your

right. Your credits are your money.

Claim every single dollar you are

entitled to before April 30th.