Survey on Savings for Persons with Disabilities

Introductory questions (DTC) - Question identifier:DTC_Q05

For the [2020] tax year, are you eligible to claim the Disability Tax Credit (DTC)?


Is it for:

• 1: Your own disability
• 2: The disability of a family member or person under 18 years of age
• 3: The disability of a family member or person 18 years of age or older
• 4: I am not eligible to claim the DTC for the [2020] tax year

Introductory questions (DTC) - Question identifier:DTC_Q10A

What is your relationship to the person with the disability [under 18 years of age/]?


Are you:

• 1: A family member of the person with the disability [under 18 years of age/] (A "family member" refers to a person's spouse, common-law partner, child by birth, adoption or marriage, birth parent, adoptive parent, step parent, full sibling, half sibling, step sibling, aunt, uncle, grandparent, niece, nephew, daughter-in-law, son-in)
• 2: The caregiver of the person with the disability [under 18 years of age/], but not a family member
• 3: Other

Introductory questions (DTC) - Question identifier:DTC_Q10B

Are you:

• 1: A parent
• 2: A spouse
• 3: A sibling
• 4: Other family member

Introductory questions (DTC) - Question identifier:DTC_Q15

What is the first name of the person with the disability [under 18 years of age/]?


Name

Long Answer Length = 80

Introductory questions (DTC) - Question identifier:DTC_Q20

[What is your age/What is [DTC_Q15]'s age/What is the person with the disability's age]?


Age in years

• 1: List of ages

Introductory questions (DTC) - Question identifier:DTC_Q25

[What is your gender/What is [DTC_Q15]'s gender/What is the person with the disability's gender]?

Is it:

• 1: Male
• 2: Female
• 3: Or please specify

Introductory questions (DTC) - Question identifier:DTC_Q30

What is your age?


Age in years

• 1: List of ages

Introductory questions (DTC) - Question identifier:DTC_Q35

What is your gender?

Is it:

• 1: Male
• 2: Female
• 3: Or please specify

Introductory questions (DTC) - Question identifier:DTC_R40

The following questions are about saving for future financial needs. For example, retirement, medical costs, help with daily activities, etc.

Introductory questions (DTC) - Question identifier:DTC_Q40

[Have/Has/Has] [you/[DTC_Q15]/the person with the disability] ever had a Registered Disability Savings Plan (RDSP)?

• 1: Yes
• 2: No

Introductory questions (DTC) - Question identifier:DTC_Q45

[Do/Does/Does] [you/[DTC_Q15]/the person with the disability] still have an open RDSP?

• 1: Yes
• 2: No

Introductory questions (DTC) - Question identifier:DTC_Q50

Why was the RDSP closed?


Would you say:

• 1: All contributions to the RDSP were withdrawn
• 2: No money belonging to [me/[DTC_Q15]/the person with the disability] remaining in the RDSP
• 3: The only money remaining in the account belongs to the government
• 4: Transferred money in RDSP to another financial institution
• 5: Canada Revenue Agency (CRA) has deemed [I/[DTC_Q15]/the person with the disability] [am/is] no longer eligible for the DTC
• 6: Death of beneficiary of the DTC
• 7: Other

Introductory questions (DTC) - Question identifier:DTC_Q55A

Before this survey, had you ever heard about the Registered Disability Savings Plan (RDSP)?

• 1: Yes
• 2: No

Introductory questions (DTC) - Question identifier:DTC_Q55B

Would you say you are:

• 1: Very knowledgeable about the RDSP
• 2: Somewhat knowledgeable about the RDSP
• 3: Not very knowledgeable about the RDSP

Introductory questions (DTC) - Question identifier:DTC_Q60

How did you hear about the RDSP?

Would you say:

• 01: From documentation sent by the government
• 02: Through a disability organization
• 03: Through an information session or presentation
• 04: From a financial advisor or a financial institution
• 05: Through a website or online (not on social media)
• 06: Through social media (e.g., Facebook, Twitter)
• 07: Through other media (e.g., newspaper, TV, radio)
• 08: From a social worker, physician, therapist, advocate, or other support worker
• 09: From a friend or relative
• 10: Through an advertisement
• 11: Other

Introductory questions (DTC) - Question identifier:DTC_Q65A

Why have you not opened an RDSP for [yourself/[DTC_Q15]/the person with the disability]?


Would you say:

• 01: I do not have enough money to save
• 02: Don't want or don't need to save
• 03: For other reasons related to savings
• 04: Too complicated
• 05: Lack of information about the RDSP
• 06: I believe it may affect social assistance (e.g., income supplement, rent subsidy, eligibility for subsidized care)
• 07: Do not have a Social Insurance Number (SIN)
• 08: Temporary DTC status
• 09: Other

Introductory questions (DTC) - Question identifier:DTC_Q65B

Was it because:

• 1: I am using another method to save money (e.g., savings or chequing account, Tax Free Savings Account, etc.)
• 2: I believe it can limit access to [my/[DTC_Q15]'s/the person with the disability's] savings (i.e., grants and bonds must stay 10 years in the plan, repayment rules can apply)

Introductory questions (DTC) - Question identifier:DTC_Q65C

What is too complicated about the process of opening an RDSP?

• 1: Filling in tax forms
• 2: Being eligible for the DTC
• 3: Having a bank account
• 4: Visiting the bank to open a plan
• 5: Other

Introductory questions (DTC) - Question identifier:DTC_Q70

Do you have money saved for [your/[DTC_Q15]'s/the person with the disability's] future?

• 1: Yes
• 2: No

Introductory questions (DTC) - Question identifier:DTC_Q75

What are the reasons you are saving for [your/[DTC_Q15]'s/the person with the disability's] future?


Would you say:

• 01: For financial freedom (e.g., for financial stability, to be financially independent)
• 02: For future medical expenses (e.g., expenses related to medications, medical devices or therapy)
• 03: For future caregiving expenses
• 04: For an education
• 05: For a home
• 06: For retirement
• 07: To start a business
• 08: For an emergency
• 09: Other

Introductory questions (DTC) - Question identifier:DTC_Q80

Which of the following methods are currently being used to save money for [your/[DTC_Q15]'s/the person with the disability's] future?

Are you using:

• 01: Savings or chequing account
• 02: Pension plan from employment
• 03: Tax Free Savings Account (TFSA)
• 04: Registered Retirement Savings Plan (RRSP)
• 05: Registered Education Savings Plan (RESP)
• 06: Other type of investment account (i.e., an account in which money is saved or invested long-term to earn money.)
• 07: Henson trust
• 08: Real estate (own home, have rental properties)
• 09: Other

Introductory questions (DTC) - Question identifier:DTC_Q85

Will you need to reapply for [your/[DTC_Q15]'s/the person with the disability's] Disability Tax Credit or is [your/[DTC_Q15]'s/the person with the disability's] eligibility permanent?

• 1: Will need to reapply
• 2: Eligibility is permanent
• 3: Don't know

Introductory questions (DTC) - Question identifier:DTC_Q90

Which, if any, of the following disabilities, impairments or health conditions affect [you/[DTC_Q15]/the person with the disability]?


Would you say:

• 01: Physical disability directly affecting flexibility, mobility or dexterity (e.g., arthritis, Parkinson's, ALS)
• 02: Vision impairment
• 03: Hearing impairment
• 04: Speech impairment
• 05: Diabetes
• 06: Heart disease
• 07: Stroke
• 08: Cancer
• 09: Respiratory disease (e.g., cystic fibrosis, chronic bronchitis, emphysema, chronic obstructive pulmonary disorder (COPD))
• 10: Intestinal, bowel, or stomach disabilities (e.g., intestinal and stomach ulcers, Crohn's disease, ulcerative colitis, irritable bowel syndrome or bowel incontinence)
• 11: Developmental, intellectual, or learning disabilities (e.g., Alzheimer's, dementia, autism, brain injuries, Down syndrome, ADHD)
• 12: Mental health issues (mental, emotional, and behavioral disorders) (e.g., depression, bipolar disorder, mania, dysthymia, phobia, obsessive-compulsive disorder, panic disorder, post-traumatic stress disorder)
• 13: Other
• 14: None

Demographic questions (PCO) - Question identifier:PCO_Q05

To determine which geographic region you live in, provide your postal code.

Postal code

Long Answer Length = 7

Education (ED) - Question identifier:ED_Q05

What is the highest certificate, diploma or degree that you have completed?

• 1: Less than high school diploma or its equivalent
• 2: High school diploma or a high school equivalency certificate
• 3: Trades certificate or diploma
• 4: College, CEGEP or other non-university certificate or diploma (other than trades certificates or diplomas)
• 5: University certificate or diploma below the bachelor's level
• 6: Bachelor's degree (e.g., B.A., B.A. (Hons), B.Sc., B.Ed., LL.B.)
• 7: University certificate, diploma or degree above the bachelor's level

Aboriginal identity (ABM) - Question identifier:ABM_Q01

Are you an Aboriginal person, that is, First Nations (North American Indian), Métis or Inuk (Inuit)?

Would you say:

• 1: No, not an Aboriginal person
• 2: Yes, First Nations (North American Indian)
• 3: Yes, Métis
• 4: Yes, Inuk (Inuit)

Immigration (IMM) - Question identifier:IMM_Q05A

Where were you born?

• 1: Born in Canada
• 2: Born outside Canada

Immigration (IMM) - Question identifier:IMM_Q05B

Are you a Canadian citizen?

• 1: Yes, a Canadian citizen by birth
• 2: Yes, a Canadian citizen by naturalization (Canadian citizen by naturalization refers to an immigrant who was granted citizenship of Canada under the Citizenship Act.)
• 3: No, not a Canadian citizen

Immigration (IMM) - Question identifier:IMM_Q05C

Are you a landed immigrant or permanent resident?

• 1: No
• 2: Yes

Immigration (IMM) - Question identifier:IMM_Q10

In what year did you first become a landed immigrant or a permanent resident?

Year of immigration

Min = 1900; Max = 2020

Income (INC) - Question identifier:INC_R05

Now a question about total household income.

Income (INC) - Question identifier:INC_Q05

What was your best estimate of your total household income received by all household members, from all sources, before taxes and deductions, during the year ending December 31, [2020]?

• 01: Less than $10,000
• 02: $10,000 to less than $20,000
• 03: $20,000 to less than $30,000
• 04: $30,000 to less than $40,000
• 05: $40,000 to less than $50,000
• 06: $50,000 to less than $60,000
• 07: $60,000 to less than $70,000
• 08: $70,000 to less than $80,000
• 09: $80,000 to less than $90,000
• 10: $90,000 to less than $100,000
• 11: $100,000 and over

Income (INC) - Question identifier:INC_R10

Now a question about total personal income.

Income (INC) - Question identifier:INC_Q10

What was your best estimate of your total personal income, before taxes and deductions, from all sources during the year ending December 31, [2020]?

• 01: Less than $10,000
• 02: $10,000 to less than $20,000
• 03: $20,000 to less than $30,000
• 04: $30,000 to less than $40,000
• 05: $40,000 to less than $50,000
• 06: $50,000 to less than $60,000
• 07: $60,000 to less than $70,000
• 08: $70,000 to less than $80,000
• 09: $80,000 to less than $90,000
• 10: $90,000 to less than $100,000
• 11: $100,000 and over

Main activity (MAC) - Question identifier:MAC_Q05

In a typical week within the past three months, what was your main activity?

Would you say:

• 01: Working at a paid job or business
• 02: Looking for paid work
• 03: Unable to work (e.g., because of a disability or chronic illness)
• 04: Taking care of a person with a disability or chronic illness
• 05: Going to school or training
• 06: Maternity or paternity or parental leave
• 07: Stay at home parent
• 08: Volunteering
• 09: Retired
• 10: Other