Starting in 2025, Canadian families can benefit from two powerful federal supports aimed at enhancing home accessibility and easing disability-related financial strain:
- Multigenerational Home Renovation Tax Credit (MHRTC): A refundable tax credit of up to $7,500 for homeowners creating self-contained secondary suites.
- Canada Disability Benefit (CDB): A monthly benefit up to $200 (or $2,400 yearly) for eligible adults with disabilities.
Together, these programs reflect Canada’s commitment to stronger family support and inclusive housing.
Renovation Refund: MHRTC Details
| Feature | Details |
|---|---|
| Credit Amount | 15% of renovation costs, up to $7,500 |
| Eligible Expenses | Up to $50,000 per qualifying renovation |
| Qualifying Occupant | Someone aged 65+, or DTC-approved adult (18–64) |
| Secondary Unit Must Have | A private entrance, kitchen, and bathroom |
| Claim Frequency | One-time claim per qualifying person |
| How to Claim | Submit Schedule 12 with your 2025 tax return (Line 45355) |
This credit supports renovations that enable multigenerational living, whether for seniors or adults eligible for the Disability Tax Credit (DTC).
Disability Support: Canada Disability Benefit (CDB)
| Feature | Details |
|---|---|
| Monthly Benefit | Up to $200/month, or $2,400/year (indexed annually) |
| Start Date | Budget period runs July 2025–June 2026 |
| Retroactive Payments | Up to 24 months of back payments possible |
| Eligibility Begins | June 2025 |
The CDB offers targeted income support to working-age Canadians with disabilities who need additional financial stability.
Combined Benefit — A Powerful Support Duo
Families renovating their homes and caring for seniors or disabled adults can combine both programs:
- Use the MHRTC to offset renovation costs—save a suite for a loved one.
- Apply for the CDB to receive ongoing monthly help.
Together, this can significantly reduce both upfront costs and long-term caregiving expenses.
How to Maximize These Benefits
- Ensure DTC Eligibility — Necessary for both CDB and qualifying MHRTC occupants.
- Plan Renovation Carefully — Map expenses, secure permits, confirm unit meets privacy and kitchen/bathroom requirements.
- File Documents Timely
- MHRTC: Claim in spring 2026 when filing your 2025 return.
- CDB: Complete application as soon as DTC is approved to begin payments in July 2025.
- Track & Document Everything — Keep receipts, quotes, and tax forms organized to support claims.
Canada’s 2025 support measures—the $7,500 MHRTC and $200/month CDB—offer transformative aid for families renovating to support loved ones and those managing disabilities.
Whether you’re building a secondary suite or securing dependable monthly support, this is a chance to fortify your household’s financial and caregiving foundation.
FAQs
Who qualifies for the $7,500 renovation credit?
Homeowners who created a self-contained secondary unit in 2025 for a senior (65+) or DTC-approved adult (18–64), with maximum $50,000 qualifying expenses.
How much can I get monthly from the Disability Benefit?
Eligible individuals receive up to $200/month, with retroactive payments possible back to June 2025.
Can I use both benefits together?
Absolutely—eligible families can claim both the MHRTC for renovations and the CDB for monthly income support.