Canada is stepping up big in June 2025 with two powerful financial programs aimed at helping seniors and Canadians with disabilities live safer, more inclusive lives.
Through the Multigenerational Home Renovation Tax Credit (MHRTC) and the Canada Disability Benefit (CDB), eligible individuals and households could claim over $7,500 in refunds and receive monthly support of up to $200.
Whether you’re a caregiver building a suite for a loved one or someone managing a disability on a fixed income, this article breaks down what’s available, how much you can get, and what steps you need to take to claim every dollar.
Overview of June 2025 Refund Programs
| Program | Who It’s For | Max Amount | Key Dates |
|---|---|---|---|
| MHRTC | Homeowners adding suites for seniors or disabled adults | $7,500 (15% of $50K) | Claim on 2025 tax return |
| CDB | Adults 18–64 with Disability Tax Credit (DTC) | $200/month | Apply June 20 – Dec 31, 2025 |
Multigenerational Home Renovation Tax Credit (MHRTC)
The MHRTC is a refundable tax credit worth up to $7,500 for homeowners who renovate or build a self-contained suite in their home to accommodate a senior (65+) or an adult with an approved Disability Tax Credit (DTC).
What Qualifies as a Suite?
To be eligible, the suite must include:
- A private kitchen
- A private bathroom
- A separate entrance
- Be in your primary residence
MHRTC Eligibility Checklist:
- The renovation must be started and paid in 2025
- The household must include a qualifying individual (65+ or DTC approved)
- You must be a Canadian resident for the full tax year
- One claim per lifetime per qualifying individual
Refund Calculation:
- Claim 15% of eligible expenses, up to $50,000
- Max refund = $7,500
How to claim:
File Schedule 12 with your 2025 tax return (line 45355) in spring 2026.
Canada Disability Benefit (CDB) – Starts June 20, 2025
The CDB is a new monthly support program introduced in 2025 to assist working-age Canadians (18–64) with a disability.
Key Features:
- Maximum monthly payment: $200/month or $2,400/year
- Income-tested: Lower income = higher support
- Must have an approved Disability Tax Credit (DTC)
- Application window: June 20 – December 31, 2025
- First payments begin: July 2025 (if you apply early)
Example Scenario:
Dan earns $35,000/year and has a valid DTC. After income adjustments, he receives $167/month, or about $2,000/year from the CDB.
How to apply:
- File your 2024 tax return
- Apply through CRA My Account or Service Canada with your personalized access code
Step-by-Step Guide to Claiming Both Credits
1. Get Approved for the DTC (if not already)
- Download and fill out Form T2201
- Have it completed by a qualified medical practitioner
- Submit to CRA for approval
2. Plan Your Renovation
- Get multiple contractor quotes
- Design with accessibility in mind
- Account for 10–15% buffer in budget
3. Apply for Permits
- Submit plans to your municipality
- Ensure compliance with local building codes and accessibility rules
4. Track All Expenses
- Keep receipts and invoices
- Use spreadsheets or apps to record each phase of the project
5. File Your 2025 Tax Return
- Include Schedule 12 for MHRTC
- Apply for CDB separately through CRA once eligible
6. Monitor Your CRA Account
- Check status of tax return and CDB payment approvals
- Update your info to avoid payment delays
Don’t Forget Provincial Stacking Opportunities
In addition to federal benefits, provinces offer additional grants and tax credits:
| Province | Additional Support |
|---|---|
| Ontario | Home accessibility grants, transit credits |
| British Columbia | $1,000 renovation credit |
| Quebec | Tax credits for accessibility upgrades |
These can be combined with MHRTC and CDB to increase total support.
Budgeting & Planning Tips
- Create a realistic timeline with expected delays
- Add 10–15% buffer to your renovation budget
- Consider a HELOC or personal loan to fund upfront renovation costs
- Talk to a tax advisor about combining with the Medical Expense Tax Credit or Home Accessibility Tax Credit (HATC)
Real-Life Example: The Patel Family
The Patel family from Ottawa renovated their garage into a suite for their mother. Total cost: $48,000. They received:
- $7,200 from MHRTC
- $200/month CDB for their son (with DTC) = $2,400/year
Total 2025 refund: Over $9,600 – easing the financial burden and creating a safer home environment.
| Program | Who Qualifies | Max Benefit | Deadline |
|---|---|---|---|
| MHRTC | Homeowners with seniors or DTC-approved adults | $7,500 (15% of $50K) | File with 2025 tax return |
| CDB | Adults 18–64 with DTC approval | $200/month | Apply June 20 – Dec 31, 2025 |
If you’re a Canadian homeowner caring for a senior or an adult with a disability, 2025 offers unprecedented support. The $7,500 MHRTC refund and $200 monthly CDB payments are here to ease your burden, improve accessibility, and make your home truly multigenerational.
Take action now—get approved, plan your renovation, and apply early to get the full benefit you and your loved ones deserve.
FAQs
Can I claim the $7,500 MHRTC refund more than once?
No, it’s a lifetime claim per eligible person.
What if my DTC is still under review—can I apply for CDB?
You must wait for DTC approval before applying for the Canada Disability Benefit.
Can MHRTC and CDB be claimed together?
Yes! If eligible, you can claim both and even stack with provincial support.