Dear Money Lady: My nine-year-old daughter has MS (multiple sclerosis). I read your newspaper column about government programs. It’s not exactly easy to make sense of all the information out there. What are the first steps I should take? Thanks, Marlene.

Great to hear you’re looking to take advantage of what’s available to you and your family, Marlene! The most important first step is getting the Disability Tax Credit (DTC), which helps those people living with disabilities and their families reduce the income tax they pay each year.

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It’s also the first step to becoming eligible for important supports like the Registered Disability Savings Plan (RDSP) that offers government contributions of up to $90,000.

To be eligible for the DTC, your daughter’s medical practition

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