What is Autism Spectrum Disorder?

Autism Spectrum Disorders is a complex neurobiological condition that impacts brain development and affects a person’s social relationships, communication, interests and behaviour. The symptoms and characteristics present in a wide variety of combinations; and individuals can exhibit any combination of the behaviours in any degree of severity.  Studies indicate that ASD affects one in every 88 children. ASD usually appears early in life, often before the age of three, and is four to five times more common in boys than in girls.

What are possible early signs of ASD (adapted from First Signs*):
  • Impairment in Social interaction: Lack of appropriate  eye gaze, Lack of warm, joyful expressions, Lack of sharing interest or enjoyment, Lack of response to name
  • Impairment in Communication: Lack of showing gestures, Lack of coordination of non-verbal communication, Unusual prosody (little variation in pitch, odd intonation, irregular rhythm, unusual voice quality)
  • Repetitive Behaviour s & Restricted Interests: Repetitive movements with objects, Repetitive movements or posturing of body, arms, hands or fingers
I have a concern about my child’s development. What should I do?

If you have any concern about your child’s development, don’t wait. Speak to your doctor now about screening your child. A screening tool called the M-CHAT(Modified Checklist for Autism in Toddlers) can also help you determine. This simple online autism screen, available at www.m-chat.org, takes only a few minutes.

Please explain what to do if I think my child may have autism.

Your family doctor may refer you to BCAAN(BC Autism Assessment Network) for assessment and diagnosis. BCAAN will arrange for an assessment to be done as close to where you live as possible. There is no charge for BCAAN services. At the completion of the assessment and diagnosis, you will receive a BCAAN Clinical Outcomes form which will indicate whether your child has Autism Spectrum Disorder. If your child has been diagnosed with ASD, and you wish to enroll in the Autism Funding Program, contact your local MCFD(Ministry of Child and Family Development) office to complete a funding agreement.

What documents are required to apply for the Autism Funding Program of MCFD?
  • The BCAAN Clinical Outcomes form or a Non-BCAAN (Private) Dignosis of ASD form, showing a diagnosis of ASD
  • Proof of the child’s age (such as a birth certificate)
  • The child’s BC Care Card
  • Application for Autism Funding
  • Confirm if MCFD receives your application package and make a note of the date and time along with the name of person you spoke with.
Can I get help for my child during the waiting period?

It is important to use the Early Intervention services in your community while you are waiting. You can access these services through your local community health office. You do not need a doctor’s referral to use these services. Services include:

  • Child Development Centres
  • Speech and Language Therapy
  • Occupational Therapy
  • Supported Child Care(SCC)
I have to wait for long to have my child get assessed. Is there any way that I can get an assessment earlier?

Parents who wish to purchase a private diagnostic assessment for their child may do so. These assessments must meet the same standards and guidelines as BCAAN assessments. The clinician will need to complete a Non-BCAAN (Private) Diagnosis of Autism Spectrum Disorder form to document the diagnosis if the family wishes to apply for Autism Funding programs. Parents are responsible for any costs charged by the private clinician. The costs ranges from $2,000 to $3,000

My child is below 18 years old. What are programs and services for people with disabilities that government offers?

MCFD(The Ministry of Children and Family Development) provides programs and services for people with disabilities below 18 years old as follows;

Services Brief Description
Autism Funding Assist in purchasing intervention services.

Under Age 6 up to $22,000 per year

Ages 6-18 up to $6,000 per year 

Early Childhood Intervention Infant Development community-based program for those who are parenting children under age 3.
Supported Child Development community-based program to serve children from birth to age 12 (13 -19 years available in some communities).
Early Intervention Therapies community-based occupational therapy, physiotherapy, speech-language pathology and family support services for children before school
Child Care Subsidy a monthly payment to assist eligible British Columbia families with the cost of child care
Special Needs Supplement up to an additional $150 per month towards the cost of child care for Parents eligible for Child Care Subsidy
School-Aged Therapies Continuation of the Early Intervention Therapies Program from age 6 to 19
Family Support Behavioral Support Services, Child and Youth Care Workers, Professional Support Services, Parent Support, Respite and Homemaker/Home Support Workers in a crisis situation.
Severe Disabilities At Home Program assists a child with severe disabilities

Respite : typically $2400 – $2800 per year

Medical benefits

Nursing Support Services comprehensive nursing services in their home, school and child care settings
Residential Services for Children in Care Care of the province: Regular homes, Restricted homes, Specialized homes
STADD (Services to Adults with Developmental Disabilities) Navigators act as the primary point of contact for individuals in coordinating transition planning and access to supports and services through the transition period of 16-24 years old.
Explain in more detail about the Autism Funding Program

MCFD(Ministry of Children and Family Development) provides two autism programs:

  • Under Age 6 : This program provides up to $22,000 per year as of April 2010 for families to purchase autism intervention services. Refer to A Parent’s Handbook about eligible and ineligible expenses for Autism Funding
  • Ages 6 – 18 : Families may receive $6,000 per year towards eligible intervention services. Refer to A Parent’s Handbook about eligible and ineligible expenses for Autism Funding.
My child is under age 6 and diagnosed as Autism Spectrum Disorder. What should we do for my child’s treatment?

Parents of children receiving Autism Funding under age 6 are required to select professional service providers for their children from the RASP(Registry of Autism Service Providers) which is managed by ACT(Autism Community Training) on behalf of MCFD. Your child’s intervention program must be based on ‘Behavioural Plan of Intervention(BPI) which is written by a behaviour consultant, with input form family members and other professional team members, such as SLP(Speech-Language Pathologist), OT(Occupational Therapist), PT(Physical Therapist).  Families select BI(Behavioural Interventionist) to implement the BPI, under the supervision of Behaviour Consultant.  and will be executed according to the BPI. BPI must be submitted within 4 months after the Autism Funding Agreement with MCFD. (Source: A Parent’s Handbook, page 12)

Who will be working with my child and how much can I expect to pay for services?
  • BC(Behavioural Consultant) collaborates to design and/or develops the individualized BPI and behaviour support plans, and provides ongoing supervision of the plans. Fees are $70 – $110 per hour and up to $160 for registered psychologists.
  • SLP(Speech-Language Pathologist) has expertise in typical development and disorders of communication and swallowing. Fees are $105 – $130 per hour.
  • OT(Occupational Therapist) assesses fine motor skills and sensory function such as dressing, tying shoelaces, eating, using a pencil, scissors, coping with a group environment, and managing sensory-based behaviors. Fees are $90 – $120 per hour.
  • PT(Physical Therapist) addresses gross motor function including muscle tone, posture, coordination, flexibility, strength, balance, and cardio-respiratory function. Fees are $75 – 85 per visit.
  • BI(Behavioural Interventionist) implements the strategies directly with the child to meet the goals set in the BPI. Fees are $10 – $40 per hour but $15-20 per hour is common.
Explain in more detail about Autism Funding at ages 6-18.

Like the program for children under age six, this program is designed to provide to purchase autism intervention services. Unlike the under 6 program, this program has more flexibility regarding intervention choices and allowable expenses. You don’t have to select professionals from the RASP. The focus is to promote the child’s communication, social-emotional, academic and functional life skills development.

I would like to delay the first enrollment of my child. Is it possible?

Like all children who live in British Columbia, school-aged children with ASD are required to be enrolled and participate in an educational program. Under the School Act, school-aged children are considered to be from age 5 to 16 years of age. There are a few other important points:

  • Enrollment can be deferred until the first day of the year following the child’s fifth birthday.
  • Students must continue in an educational program at least until their 16th birthday.
  • They may continue in an educational program to the end of the school term in which they turn 19 years old.
What should I do to enroll my child when my child is identified as having ASD?

It is wise to contact the school district’s Special Education Department at least six months before the new school year begins. Bring your child’s records, in particular the documents that confirm their ASD diagnosis. If your child is awaiting assessment, you should register your child in the local school and advise the district that your child is awaiting an ASD assessment. If you want your child to be enrolled in an independent  school, contact them directly.

In what educational setting will my child be included?

Integrated classroom is the first option to be considered for students with special needs. This type of setting means students with ASD are placed a “typical” classroom with their peers. In this setting, in addition to the classroom teacher, a school may have a resource teacher who provides support to teaching staff who work with students with special needs and acts as case manager for students with special needs, and a Teaching Assistant or Special Education Assistant who assist a teacher in carrying out their responsibilities and duties.

What are Adapted Programs and Modified Programs?
  • Adapted Program retains the learning outcomes of the regular curriculum, and is provided so the student can fully participate in the program. Adaptations may include alternate formats (e.g., Braille, books-on-tape), instructional strategies (e.g., use of interpreters, visual cues and aids) and assessment procedures (e.g. oral exams, additional time, assistive technologies). Students with Adapted Programs are assessed using the standards for the course and can receive credit toward a Dogwood Certificate for their work.
  • A Modified Program is described as having learning outcomes that are substantially different from the regular curriculum, and specifically selected to meet the student’s special needs. For example, a Grade 9 student in a modified math program could be focusing on functional computational skills in the context of handling money and personal budgeting. Or, in language arts, a Grade 5 student could be working on recognizing common signs and using the phone. Students who complete their school education and have been on a modified program may receive an Evergreen Certificate.
What kind of graduation certificate for secondary school my child can get?

There are two types of certificate of graduation in BC; Certificate of Graduation (or Dogwood Diploma) and School Completion Certificate (or Evergreen). The Dogwood Diploma signifies that a student has met the requirements for graduation as set out in the Graduation Program Order. Students with Dogwood Diploma may go to a university directly. The Evergreen is awarded to students who meet the goals of their educational program other than graduation.

Is there a funding for students with ASD provided by Ministry of Education?

The Ministry of Education provides funds to school districts to operate. Students with identified special needs such as ASD generate supplemental funds that go to the school district. A student with ASD qualifies for Level 2 funding and generates dollars in the amount of $19,400(2018-2019) per year for the district. These supplemental funds are pooled and dispersed throughout the district, not targeted to any individual student.

My child will graduate soon. What do we prepare for transition into adulthood?

The followings are what you may do by age of your child:

  • Set up an RDSP(Registered Disability Savings Plan) account
    The RDSP is a savings plan that has been introduced in 2008 by the federal government. It is designed to help people with disabilities and their families save money for their long-term financial security. If you have qualified for the Disability Tax Credit (DTC) you should contact a financial institution that offers the RDSP. You(or anybody) can make up to a maximum of $200,000 in contribution for your child before your child turns 60 years old. Your child can qualify for the income-tested Canada Disability Savings Grant (CDSG) and get up to $3,500 annually or a lifetime maximum of $70,000 from this grant until your child turns 50. Your child also qualify for the income-tested federal Canada Disability Savings Bond (CDSB). This is an annual amount of $1,000 up to a lifetime maximum of $20,000.
  • Age of 14 or Grade 10: Start Transition Planning.
    You would need to start Transition Planning from youth into adulthood after graduation. Depending on whether your child will go to a college or get a vocational training or participate in a day program provided by a local service provider, your preparation will be different.
  • Age of 16: Apply for CLBC services
    When your child turns 19, he or she will no longer be able to receive supports from MCFD but may receive supports from CLBC(Community Living BC). To receive CLBC services, you may apply after your child’s 16th birthday.   Starting this process early is important because the process may take long. If your child is accessing MCD supports and services you may ask your MCFD worker for assistance.
  • Age of 17.5: Apply for Disability Assistance or Persons With Disability (PWD)
    If your child is designated as PWD, your child will receive up to $906.42 per month from the month that your child turns 18. We strongly recommend to submit your child’s application six months prior to your child’s 18th birthday.
  • Age of 19: Create Representation Agreement
    When a youth turns 19, parental rights end because he or she is an adult under BC law. But our children need supports to exercise their rights and make decisions. A Representation Agreement is a legal document which gives a representative legal authority to help the adult with decision making.
  • Create a Will
    The earlier, the better. Preparing and completing the imperfect Will in not the least you can do, it is the best you can do.
What is Transition Planning?

The purpose of transition planning for youth with special needs is to identify opportunities and experiences during their school years that will help them better prepare for life as an adult. Transition planning can assist the youth in clarifying vision, securing employment, pursuing post-secondary education,  building relationship with friends, experiencing a meaningful community life. Transition planning is much related to future planning for a good life.

Why is Transition Planning important?

Without planning, it is hard to clearly grasp what parents should do even though they are thinking about their child’ future. Transition planning is essential as it provides an opportunity to review personal accomplishment and create an individualized vision for the future. This in turn prepares the youth for new and exciting challenges and opportunities.

When is a good time to start the transition planning?

It is critical that the transition planning process begins as early as possible – in some cases the youth may be as young as 14 years of age. Starting early allows time to adequately prepare and implement a Transition Plan that will address the challenges of preparing for adulthood. School graduation requirements include the successful completion of Graduation Transition Program. However, family must play a leading role in identifying the young person’s strengths, creating a plan for the future, and advocating on his or her behalf. Starting the planning at the end of graduation is too late.

How can I start the transition planning and Who can help us?

Key to the transition planning process is an approach known as person-centered planning. Person-centered planning is a concept that places the individual with special needs in a leadership role during the transition planning and service delivery process. It means that there are many cases focusing on parents or services and programs not concentrating on the person in the center. Ideally, creating a transition planning team supports successful transition planning. Team members may include teachers, Behavior Consultant, Behavior Interventionist, social worker, and current and future service providers. PATH(Planning Alternative Tomorrows with Hope), one of the important planning tools, starts in the future and works backward to the present, identifying the progression of steps necessary to make the youth’s dream come true. Identifying a good transition coordinator is view as a best practice. Services to Adults with Developmental Disabilities (STADD) offers Navigator services for transitioning youth and their families in 116 communities across B.C. Navigators act as the primary point of contact for individuals in coordinating transition planning and access to supports and services through the transition period of 16-24 years old. Please contact Here & Now if you need help in this area.

My child is already over 19 but we haven’t had a personal planning. Do we still need a plan?

Yes, now is the best time to start. The objective of a Personal Plan is to identify a clear set of goals, a plan of action, and to secure the commitment and participation of friends and family members toward achieving these goals.

What are alternatives if my child doesn’t go to a college?

She or he may participate in Adult Special Education(ASE) provided by some universities under the supervision of Ministry of Advanced Education or Day Programs provided by local service providers under a contract with CLBC. ASE programs are in the areas of employment, vocational skills, academic skills, personal success skills.

My child is preparing for a college. Please explain available Funding for students with permanent disabilities.

StudentAid BC is the government organization helping students.

  • Canada Student Grant for Persons with Permanent Disabilities (CSGP-PD) : provide $2,000 per program year for full-time or part-time students. You do not have to repay this money
  • Canada Student Grant for Services and Equipment for Persons with Permanent Disabilities (CSGP-SEPD) : Up to a maximum of $8,000 per program year is available for exceptional education related equipment and services such as tutors, interpreters, note-takers and personal care attendants. Assistive technology such as digital recorders, laptops, FM systems are also available
  • Assistance Program for Students with Permanent Disabilities 
  • Learning Disability Assessment Bursary (LDAB) : up to $1,800 for a learning disability assessment
  • BC Supplemental Bursary for Students with a Permanent Disability : Provides $800 per program year for full-time students or $400 for part-time students
  • BC Access Grants for Students with a Permanent Disability : Replaces approximately $1,000 per program year, of BC students loan funding
  • BC Access Grant for Deaf Students
What are the services and supports for adults over age 19 from the goverment?

Main supports are Disability Assistance (or Persons with Disability) from Ministry of Social Development and Social Innovation (SDSI) and various service programs from Community Living BC (CLBC)

Disability Assistance

Please briefly explain more about Disability Assistance.

Disability Assistance, administered by the Ministry of Social Development and Social Innovation, is called ‘BC Employment and Assistance (BCEA) for Persons with Disabilities’ or ‘Persons With Disability(PWD) Assistance’. If you are 17 years old and you are planning to apply for disability assistance, you can begin your application six months before your 18th birthday. Eligible persons will receive disability assistance as soon as they are 18 years old. Disability assistance includes monthly support up to $1,133.42 (as of February 2019) and medical coverage.

Who is eligible for Disability Assistance?

The Employment and Assistance for Persons with Disabilities Act defines a person with disabilities as an individual who is at least 18 years of age, with a severe physical or mental impairment that is expected to continue for at least two years.

Please explain the application process.

To request an application, you can access a few ways.

  • Online with My Self Serve
  • Toll Free with 1 866 866-0800
  • In-person at an office location of The Ministry of Social Development & Poverty Reduction

The application form has three sections:

  • You fill out the applicant portion
  • Your doctor or nurse practitioner fills out the medical report portion
  • A prescribed professional fills out the assessor report portion. For example, this could be a doctor, registered nurse or social worker

After you submit your application, we’ll review it. The ministry will let you know if you meet the eligibility criteria for the PWD designation.

 

Simplified Application Process

If you already take part in certain programs, you may be able to use a simplified PWD application process.

You’re eligible for this simplified process if you receive benefits from:

  • Community Living BC (CLBC)
  • The Ministry of Children and Family Development At Home Program
  • BC PharmaCare Plan P – Palliative Care Benefits
  • Canada Pension Plan – Disability Benefits

This means you’ll complete a shorter PWD application form that gives the ministry permission to confirm your eligibility from one of those programs. You won’t have to complete a full PWD application and get a new diagnosis.

Speak with a worker at the ministry to request a Persons with Disabilities Designation—Prescribed Class Application. You’ll still have to meet all other eligibility requirements to begin receiving disability assistance.

What are main benefits from PWD(Persons with Disabilities)?
  • You will receive up to $1,133.42 (as of February 2019) per month
  • Medical Service Plan(MSP) coverage, Dental coverage of up to $1,000 over a two-year period, Glasses every three years, Optometirst’s exam every two years, Prescription drugs, Annual bus pass($52)
  • For more information on benefits, please see ‘Checklist for the PWD Benefit 2019 Help Sheet 3’

CLBC(Community Living BC) Supports and Services

Who is eligible for CLBC services?

CLBC provides two types of supports: supports for adults with developmental disabilities and Personalized Supports Initiative (PSI). To receive CLBC services, your family member must be 19 years of age or older but they may apply for eligibility after their 16th birthday. To be eligible for Developmental Disability, an adult has significantly impaired intellectual functioning (IQ) and adaptive functioning. For PSI services, an adult who does not have a Developmental Disability but has significant limitation in adaptive functioning and a diagnosis of Autism Spectrum Disorder.

When and how should I apply for CLBC services?

Starting application process early is important. CLBC will review documents for youth after they are 16 years old. For youth who are already accessing Ministry of Children and Family Development (MCFD) supports, please contact your MCFD worker for assistance with transition. If not, the first step to apply for services is to contact a CLBC facilitator who can tell you about required documents and application process. Your family member needs to have professional assessments that show that they meet CLBC eligibility criteria. It may take several weeks or even months to get all the required documents to CLBC so it is very important to begin the process early.

How does CLBC make decisions about what services an individual gets?

The decision about what services are available is based on an individual’s need for help in specific area and local resources available. A CLBC facilitator talks with you, your family member and other people who know them. They discuss supports that your family member may need to assist them with: communication, personal care, decision-making, creating or maintaining relationships, work, learning and participation in the community, and health/mental health needs. Based on the conversation and the reports you give, CLBC will give you a copy of GSA(Guide to Support Allocation) Report which shows the level of support from Level 1 to Level 5 indicated for each area of daily life.

What if we disagree with the decision about services or have questions?

CLBC has established a complaint resolution process which the facilitator will explain and help you and your family member access.

What types of support CLBC can provide for Developmental Disability Programs?
Category Program Brief Description
Residential Supported Living provides individuals living independently in the community with assistance in daily living. This service is available to individuals who own, lease, or rent their own homes. Supported Living services include outreach support and cluster living. Outreach support provides targeted hourly support to individuals through one-on-one or group arrangements. Within cluster living, an on-site contractor provides ongoing support to a group of individuals who have homes close to one another (typically within the same apartment building).
Shared Living Shared living is a residential option in which an adult with a developmental disability shares a home with someone who is contracted to provide ongoing support. The home is the primary residence of both the individual being supported and the person offering support. Shared living includes home sharing and live-in support. Within home sharing, the contractor controls the home through ownership, lease, or rental. Within live-in support, the individual controls the home.
Staffed Residential Within staffed residential, support for daily living is provided to an individual or group of individuals by a team of staff who rotate through the home according to an established schedule that includes overnight hours.
Community Inclusion Employment This service uses a variety of methods to ensure that individuals achieve employment within an integrated setting. This option includes supported employment, customized employment, and / or self-employment options.
Skilled Development This service provides individuals with support to develop skills that are required for healthy, independent living. Support may be provided to individuals through one-on-one or group arrangements. Services are goal-based and time-limited.
Community-Based Ongoing support. The service operates outside the individual participants’ homes and is usually offered according to an established schedule that allows individuals to participate on a part-time or full-time basis. This service may have a vocational focus, social /recreational focus, or some combination of the two.
Home-Based Ongoing support. The service operates within the individual participants’ homes and is usually offered according to an established schedule that allows individuals to participate on a part-time or full-time basis. This service may have a vocational focus, social / recreational focus, or some combination of the two.
Respite Provides families with a break from the continuous demands of caregiving
Support for Individuals and Families Psychological Psychological services require CLBC to establish a contract with a licensed psychologist or qualified mental health professional on behalf of an individual with mental health support needs. The service includes consultation, assessment, and therapy.
Behavioral Psychological services require CLBC to establish a contract with a qualified professional on behalf of an individual with mental health support needs. The service includes consultation, assessment, and therapy.
Home-Maker Home-maker services are available to individuals who require basic housekeeping services or temporary personal care to successfully live in the community. The service may also be accessed by those who provide ongoing, unpaid residential support to an adult with a developmental disability.
Support Coordination This service is tailored to the unique needs of the individual or family. It may involve counselling, resource/referral, education/training, scheduling, advocacy, or connecting people with peers in the community. The service is typically delivered through a community-based agency that is contracted by CLBC to oversee the service. Support may be offered to an individual, a specific family member, an entire family, or family groups with similar needs.
What is the Individualized Funding at CLBC?

Many service providers receive their funding under contract from government. Often one agency or organization provides the full range of services needed by the individual. That is, they own or lease the homes, provide the staff, and offer residential, employment, recreational, and other support services. People who use these services often have very little say over what happens to them. Many parents and individuals are not promoting a new approach called ‘Individualized Funding’. Individualized Funding gives money directly to the individual with a disability or their Representatives to enable them to purchase the goods and services they require. Individualized Funding covers the cost of food, clothing, shelter, transportation, and technical aids as well as program and personal care supports. The individual, with the help of supports, can then determine where to live, with whom to live, who to hire, and so on.

What does PSI(Personalized Supports Initiative) do?

CLBC introduces the Personalized Supports Initiative (PSI) in February 2010 to provide supports which are separate from the CLBC services for people with developmental disabilities. Where necessary, PSI may provide funding for supports such as supported living, respite, employment support, skill development, homemaker services, and development of support networks.

What are other supports or benefits from the government?

There are Home Support Services by Ministry of Health, Housing related services by BC Housing, Transportation related services by Ministry of Finance and Translink, Leisure and Recreation services, Tax Credits and Deductions by Canada Revenue Agency.

Please explain more about Home Support Services by Ministry of Health.
Category Program Brief Description
Home Support Services

(Ministry of Health)

Choice in Supports for Independent Living (CSIL) self-managed care option for home support services where funds are provided to eligible clients to purchase and manage their own home support services
Home and Community Care Publicly subsidized home and community care services

Please contact a local Health Office to apply for the services.

Please explain more about Housing related services.
Category Program Brief Description
Programs for Renters

(BC Housing)

Supported Housing Subsidized assisted living provides accommodation, hospitality services, and personal care services
Subsidized Housing Public housing, non-profit housing, co-operative housing, rent supplements
Programs for Home Owners Home Adaptations for Independent Program (HAFI) Financial assistance for modifying home environment
Additional Home Owner Grant property taxes may be reduced up to $845
Property Tax Deferment Program low interest loan program that allows you to defer paying all or part of your property taxes
Please explain more about Transportation related services.
Category Program Brief Description
Personal Vehicles Fuel Tax Refund up to $500 each calendar year. (Ministry of Finance)
Insurance Reduction a 25 per cent discount on your Basic Autoplan—even if you don’t drive the vehicle you’re insuring

(ICBC)

Public Transportation BC Bus Pass Program $45 per year and is valid for one calendar year, expiring on December 31. (Ministry of Social Development)
BC Ferries To receive the discounted fare, apply for a BC Ferries Disabled Status Identification (DSI) Card.
HandyDART door-to-door shared-ride service with specially-equipped vehicles designed to carry passengers with physical or cognitive disabilities who need assistance to use public transit. (TransLink)
Please explain in more detail about Fuel Tax Refund.
  • Qualifying: you can register for the program if you:
    Are 16 years old or older
    Are the registered owner of a vehicle or have a joint ownership or an ownership interest in a vehicle registered to someone else.
    Ownership interest in a vehicle means that you are not listed on the ICBC vehicle registration, but you are still an owner of the vehicle. A signed letter from the registered owner stating that you have an ownership interest in the vehicle.
    Have at least one qualifying disability
  • Registerting: You can register:
    – Online using eTaxBC
    – Mail to Ministry of Finance, PO Box 9442 Stn Prov Govt, Victoria BC V8W 9V4
    – FAX: (250)356-2195
    – Email: RegFax@gov.bc.ca
  • Required Documents
    – Application for Registration (FIN 119)
    – Copy of your identification (BC driver’s license, BCID, passport, immigration card, birth certificate)
    – Copy of your ICBC vehicle registration
    – A signed letter from the registered owner stating that you have an ownership interest in the vehicle, if you have an ownership interest in a vehicle.
    – Copy of a power of attorney or Representation Agreement. (if someone applies on your behalf)
    – Documentation to confirm your disability.
  • Process Time: approximately 4 weeks after receiving all the required documents
  • Applying for a Refund: Once you register for the program and receive your confirmation letter, you can apply for a refund. The Ministry recommends you apply for a refund once each year. Required documents are:
    – Application for Refund (FIN 472)
    – Fuel Receipts
  • Refund Rates: $0.255 per litre for Gasoline and $0.26 per litre for Diesel in Great Vancouver area (as of April 1, 2013)
  • ICBC Insurance Discount: If you qualify for the fuel tax refund and your are the registered owner of a vehicle, you can take your confirmation letter from the Ministry to your ICBC agent and get an insurance discount
Please explain more about leisure and recreation related services.

BC Sport Participation Program (www.viasport.ca) by Viasport, BC Special Olympics (www.specialolympics.bc.ca), Free camping fees (http://www.env.gov.bc.ca/bcparks/fees/disability.html), Annual Angling License Fee Reduction Program with reduced fee of $1.12 from $36 (http://www.env.gov.bc.ca/fw/fish/licences/#FeeReduction). You may apply for these programs.

What are services or benefits provided by other organizations?

Two benefits are recommendable: Endowment 150 (http://www.endowment150.ca/home.htm) by Vancouver Foundation and Access 2 Entertainment Card (http://www.access2card.ca) by Easter Seals. Endowment 150 offers one-time $150 gifts to Registered Disability Savings Plans (RDSP). With Access 2 Entertainment Card, a person with a disability simply need to present the card along with a piece of ID (not required for cardholders who are minors), and his or her attendant will receive a free ticket or a big discount in venues such as theatres, museums, art galleries, zoos, historical sites, aquariums and more.

What is Disability Tax Credit (DTC)?

The disability tax credit (DTC) is a non-refundable tax credit used to reduce income tax payable on the income tax and benefit return. A person with a severe and prolonged impairment in physical or mental functions may claim the disability amount once they are eligible for the DTC. Being eligible for the DTC can open the door to other federal, provincial, or territorial programs such as the registered disability savings plan, the working income tax benefit, and the child disability benefit.

Are there some tips related to tax return?

Please click Tax Tips on The Special Needs Planning Group website.

We are new immigrants. What should we do if we have a relative with a disability?

As briefly explained in Diagnosis section in FAQ, all new immigrants must go through the same process. In order to see a doctor for diagnosis you need to register for the Medical Services Plan (MSP) first. But you will not have MSP up to three months. Make sure you buy private medical insurance for that time. After you receive the MSP Card, the process is same as explained in the section ‘Diagnosis’ in FAQ.

We are new immigrants. How can we register our relative with a disability for public school or private school?

To register a child with a disability for public school, contact your local board of education (school district) office.

When you register your child at school, you will need to show official documents with your child’s date of birth, your resident status in BC, the address where you live, and your child’s immunization record. In BC, children with special needs attend regular class. Contact your local school to talk about your child’s special needs, and to learn about programs and services to help your child. Most independent or private schools charge fees.

There are group homes and home sharing services supported by the government. Why does my relative still need to own a home?
  • Concerns of Families
    Governments spend millions of dollars every year on housing for people with disabilities. Agencies or service providers are responsive and sensitive to making genuine homes out of their group living arrangements. But families still worry. There is no control over where your relative lives. Individual needs may be secondary to those of other roommates. Someone else decides who your family member lives with. What if there is a change in staff, the home supervisor, or in agency leadership? Families see many room mates come and go and numerous staff. What if people proving a home sharing can’t do it any longer?
  • Importance of Home Ownership
    Home Ownership means control over where your relative lives, stability of tenure, the opportunity to build up equity, hedge against inflation, privacy, a sense of place, choice, nurturing one’s network by inviting people, security, safety and comfort, and sanctuary.
  • Challenges of Home Ownership
    As you might expect, making arrangements for home ownership for your family member can be complicated. The mix between financial and legal matters, health and safety concerns, taxes, and social support adds more consideration. It may affect our relative’s disability benefits. It means paying attention to a number of critical components.  
We don’t have enough money to buy a home for our loved one. How would it be possible?

Most of us take it for granted that we will own a home at some point in our lives. Until recently, this has not been the case for people with disabilities. In the past, it was a dream they and their families dared not consider. But now home ownership for people with disabilities is becoming an option of interest. It is an option that more parents are exploring, more financial institutions are supporting, and governments are welcoming. With careful planning, there is plenty of potential for people with disabilities to realize their hopes and dreams of owing a place of their own.

  • Financing the purchase: RDSP provides families with a means to begin saving for the purchase of a home. There are other financing options you may explore such as re-mortgaging, forming a partnership with other parents, or renting out the other bedrooms to help finance mortgage payments.
  • Assistance with renovation: The Canada Mortgage and Housing Corporation (CMHC) offers financial assistance to homeowners and landlords to improve their dwellings so they are more accessible to persons with disabilities.
  • Negotiating funding for program support staff: Generally speaking, government is becoming more interested in supporting people to live their own homes. You may argue, when negotiating the supports necessary with government, that since you are financing the house, the government should finance staff supports.
  • Please see page 71-73 for examples of housing solutions, Safe and Secure, RDSP Edition 2015, Al Etmanski
What is a Will?

A Will is the legal document that tells people what to do with your estate.

What is Estate Planning?
  • Preparing your Will
  • Preparing a Representation Agreement for health and personal care, if appropriate
  • Preparing power of attorney, advance medical directives and Living Wills or personal declaration about end of life decisions
  • Deciding upon issues such as executor and trustee appointment, and finding ways to meet those needs
  • Looking at strategies to reduce income taxes at death
  • Advising about a trust for you or a trust for your relative with a disability

*Living Wills : A living will is a document in which you say what medical or legal decisions you want people to make for you if you become too ill to make these decisions yourself.

What are key objectives of Will and Estate Plan?
  • Pay their debts, taxes, and other liabilities
  • Provide a separate independent income for their spouse
  • Distribute their assets according to their wishes
  • Maximize the size of their estate for their children
  • Protect the financial security of their relative with a disability
  • Ensure that there is a guardian for their children under the age of 19
  • Avoid delays, family strife, needless taxation, costly legal challenges, probate fees, and government involvement
  • Allocate a portion of their estate to the charities and causes they are passionate about
What are the basic things I need to think about?
  • Appoint an executor to ensure that the instruction in your Will are carried out and alternate executor
  • Divide your estate among family, charities, and others.
  • Create a trust – usually a discretionary trust – for your relative with a disability and identify a trustee and perhaps co-trustee to manage the trust, and the beneficiary of the trust when your relative dies
  • Appoint a guardian for your children who are under the age of 19 years. If you die without a Will and you have children who are under the age of 19 – and there is no surviving parent who is the legal guardian – then the government will become guardian of those children.
What is Probate?
  • Probate is the name of the legal process that confirms your last Will. Normally it is the job of your executor to file your Will for probate with the provincial court and pay probate fees. This process can be up to six months. Until your executor receives the grant of probate, assets of your estate cannot be released.
  • Probate fees in BC are currently as follows:
    – Under $25,000: No fee
    – $25,000~$50,000: $6 for each $1,000
    – Over $50,000: $14 for each $1,000
What happens if I die without a Will?
  • If you die without a Will, provincial laws set out how your estate will be distributed. The court will appoint an administrator who will divide your estate. This means you will have no control over how your estate is divided. You will not be able to protect the inheritance you want to leave to your relative with a disability.
  • The Public Guardian and Trustee holds your relative’s inheritance until they turn 19 years, at which time they will receive their total inheritance outright. This situation may disqualify them from receiving BC disability assistance.
When should I create my Will?

There is no perfect Will. Now is the time to develop and execute the “imperfect Will”. You may update it whenever you need. Additions and amendments (called codicils) are not costly.

Does the ‘Wills Variation’ matter to me?

Yes it does. This Act requires that your Will provide adequately for your spouse and for your children. If a spouse or children feel you have not provided adequately for them in your Will, then they can ask the court to change your Will to get a larger share of the estate. This must be done within six months of probate. If you do not leave your child with a disability a fair share of your estate, it is likely the Public Guardian and Trustee will intervene on their behalf and try to change the Will.

Who should be the executor of my Will?

Often people appoint their spouse as their executor, but you may need to appoint someone else or someone jointly with your spouse. You should also appoint alternate in the event the original executor is unable to fulfill the responsibilities of executor. If you set a trust in your Will, usually the executor will be the same as your trustee.

Do executors get paid?

You can state in your Will or in a contract how much your executor is to be compensated. If you don’t say how much they should be paid, provincial laws set a fee. In BC, executors can charge up to 5% of the capital and income of the estate. Your beneficiaries or the court must approve the fee.

How are individuals on BC disability assistance entitled without being cut off?
  • Less than $100,000 in liquid assets
  • They may own a motor vehicle
  • They may own their own principal residence
  • Less than $12,000 per year in Earned Income
  • RDSP의 경우 계정에 있는 모든 금액을 유동 자산으로 간주하지 않음
  • Unearned Income from term deposit, bank interest, rental income, RRSPs, and so on is deducted dollar for dollar from BC disability assistance. But income from a RDSP is exempt from this provision.
  • They are entitled to be the beneficiary of a discretionary trust of any amount of money, an RDSP of any amount, or of a non-discretionary trust of up to $200,000, without being cut off.
What is a Trust?

A trust is a relationship where one person (called the “Trustee”) holds property for the benefit of another person (called the “Beneficiary”). While the Trustee legally owns the property and makes all of the decisions with respect to it, he or she can only use the property for the benefit of the Beneficiary. Likewise, the Beneficiary can enjoy the trust property, but he or she is not permitted to make any decision with respect to how the property is handled. (from Home Ownership by Halldor K. Bjarnason, 2007, PLAN)

Why should I set up a trust?
  • To ensure the availability of ongoing government benefits such as BC disability assistance
  • To help your relative with a disability during their lifetime and then to pass on funds that remain to another generation or a chosen charity
  • To protect a vulnerable relative from being taken advantage of by those with bad motives and also those with good intentions but limited skills or judgment
  • To provide ongoing financial management of assets
  • To take advantage of special tax treatment
  • To give some protection of assets in a relative goes through a marriage breakdown or has creditors
What types of trusts families of people with disabilities use?

There are two common trusts: non-discretionary trusts (also called income trust) and discretionary trusts.

  • Non-Discretionary Trust means that the beneficiary of the trust can request payment of funds out of the trust and the trustees has no discretion. The trustee must pay out the requested fund. If the capitalcontribution to the non-discretionary trust is more than $200,000, then the individual will no longer be eligible for BC disability assistance.
  • Discretionary Trust: If your relative are the beneficiary of this type of trust, it means he or she has no control over the money held in the trust or how it is spent. The trustee, who knows you and your needs, has complete authority to decide whether to give your relative funds, or to spend funds on his or her behalf. A discretionary trust is usually not considered an asset. As a result, there is no limit to the amount of money that can be held for your relative in a discretionary trust.
What does a trustee do?

The trustee manages or looks after the trust assets and makes sure your relative receives trust benefits according to your wishes.

Who should be a trustee?

You may want to have one trustee with financial skills and a co-trustee who has a personal relationship with your relative. One trustee might make investment decisions, keep accounts, management tax return, an so on. The other trustee – a sibling or friend – would be in a better position to advise on how to spend trust funds. You may appoint 3 trustees if you want to avoid a conflict of interest. You may consider using a respected trust company as one of the trustees in case you hold more than $750,000 in the trust. If you name a person as a trustee, then you should also name a successor in case the first person dies moves or is otherwise not willing or able to continue.

Do trustees get paid?

The fees that trustees charge are determined by the amount of time, effort, and skill that has been required of them while action as your trustee. If your executor is also administering a trust, then they may claim an extra amount of up to 0.4% of the average value of the assets in the trust each year. These amounts are set out in the Trustee Act.

Can I set up an RDSP and a Discretionary Trust?

Yes you can. In general, the RDSP is designed to build savings and can be used while parents are still alive. Discretionary trusts are typically designed to manage the inheritance you leave for your relative after you die. But note that if a grandparent sets up a discretionary trust for your relative, then the money may become available before the parent dies.

What is the RDSP?

The RDSP is a long-term savings plan that benefits people with disabilities, and their families, in saving for their long-term financial needs in a tax-deferred environment. The RDSP combines individual or family contributions with government grants and bonds. By investing wisely, the RDSP can grow into a significant asset.

What are good reasons to open an RDSP?
  • Depending on family net income, the Federal government may match each $1 contributed with up to $3 through the Canada Disability Savings Grant. An RDSP can get a maximum of $3,500 in matching grants in one year, and up to $70,000 over the beneficiary’s lifetime. A grant can be paid into an RDSP on contributions made to the beneficiary’s RDSP until December 31 of the year the beneficiary turns 49.
  • For low-income Canadians, the Canada Disability Savings Bond provides up to $1,000 per year with no contribution required. The lifetime bond limit is $20,000. A bond can be paid into an RDSP until the year in which the beneficiary turns 49.
  • Since 2011, you can carry forward unused grant and bond entitlements to future years. The carry forward period can only start after 2007 and lasts for 10 years. Grants and bonds will be paid on unused entitlements up to an annual maximum of $10,500 for grants and $11,000 for bonds. 
  • An RDSP is considered an exempt asset. This means that a person can have any amount in an RDSP and still be entitled to receive their disability income and related benefits. Monies received from an RDSP are exempt from clawbacks against BC disability assistance.
What is the contribution limit for RDSPs?

There is no annual limit on amounts that can be contributed to an RDSP of a particular beneficiary in a given year. However, the overall lifetime limit for a particular beneficiary is $200,000. Contributions are permitted until the end of the year in which the beneficiary turns 59.

Who can become a beneficiary of an RDSP?

You can designate an individual as beneficiary if the individual:

  • is under the age of 60
How do I open an RDSP?

To open an RDSP, a person who qualifies to be a holder of the plan must contact a participating financial institution that offers RDSPs. For current listing of financial institutions offering the RDSP please visit www.rdsp.com.

What types of payments (or withdrawals) are made from an RDSP?

Only the beneficiary or the beneficiary’s  estate will be permitted to receive payments from the RDSP. These payments are referred to as Disability Assistance Payments (DAPs) and are a taxable source of income. These payments must begin by the end of the year in which the beneficiary turns 60. Note that if any RDSP withdrawals are made, all grant and bond amounts received in the last 10 years must be repaid to the government. There are two types of payments from an RDSP:

  • Flexible Payments: These can be requested at any time and any amount by the plan holder.
  • Lifetime Disability Assistance Payments (LDAP):  These are regularly scheduled periodic payments that are based on a pre-calculated formula. These payments can start at any time, but once started, they continue for life, according to a defined payment schedule.
Why do we need an alternate decision-making?

When a youth turns 19, parents are no longer their legal guardian. There is a presumption that when a person reaches age 19, they are capable of making their own decisions. Due to disability, aging, disease, or accident, personal decision-making is not always a reality. An adult may make a Representation Agreement to give legal authority to personal supporters to help them with decision making. It doesn’t take away an adult’s rights. It is about supporting an adult with decision making.

What is an Enduring Power-of-Attorney?

An Enduring Power-of-Attorney is a document that permits you to appoint someone that you trust to make legal and financial decisions on your behalf but not health and personal care decisions. It must have mental capacity before you enter into it.

What is a Representation Agreement?

A Representation Agreement is a legal document that an adult may give people they trust the legal authority to assist them with important matters that affect the quality of their life – such as managing finances, consenting to health care and choosing where and how they want to live.

Who can make a Representation Agreement?

Anyone over the age of 19 years can make a Representation Agreement.

What types of Representation Agreements are there?

There are two types of Representation Agreements, Standard and Enhanced.

  • The Standard Agreement, outlined Section 7, covers routine financial, health, and personal care decisions and is more that adequate to provide support for most of the decisions our relative will make. You don’t need the requisite mental capacity. It requires just an appreciation that you trust the person you are appointing as your representative. This may permit parents and other family members to continue advocating on her or his behalf. It does not require a lawyer.
  • The ‘Enhance’ agreement, outlined in Section 9, permits covers all health, financial, and personal care decisions no matter how complex. This includes end of life decisions. You need to have the same mental capacity as is needed for any other contract. You do not need to consult with a lawyer to make an Enhanced Representation Agreement.
Where should I go to make a Representation Agreement for my child?

The Nidus Personal Planning Resource Centre provides a self-help kit and will assist you through the process of developing a Representation Agreement for your relative. Please visit www.nidus.ca for more information.

FAQs are based on the following documents and sites. These are just for the general guidance and benefit of the reader. These do not provide legal advice.

  • Safe and Secure- Seven Steps on the Path to a Good Life for People with Disabilities, RDSP Edition, Al Etmanski et al. 2015

FAQs are just for the general guidance and benefit of the reader. These do not provide legal advice. To provide us with new information and/or corrections, e-mail info@hereandnowca.org