The National Benefit Authority: HVAC Filtration is Essential

Dust and mold floating in indoor living and work spaces presents significant health risks to the occupants.  The National Benefit Authority encourages everyone to learn about HVAC filtration methods that can be used on air conditioning units and furnaces.  Enclosed spaces are prone to higher concentrations of dust and mold that can irritate sinuses and bronchial tubes.  Colds and allergies develop after extended periods of exposure.  Proper filtration reduces the levels of mold and dust present in the home or work environment.  Incidence of illness is reduced because everyone present is breathing cleaner air.  Healthy living is supported with sufficient HVAC filtration.


Air conditioning units cool indoor air which causes moisture to collect around the unit.  Mold and bacteria feed on water and then the spores are blown through the unit and into the building.  Filters that are designed for the unit will catch the majority of tiny particles that would be released into the air.  Consistent filter maintenance prevents clogs that render the filter useless.  Air that passes through the filter will be cleaner during the hot months when humidity levels are highest.  At home and at work, The National Benefit Authority reminds everyone to be aware of the presents of air-borne dust and mold.


Furnaces generate significant levels of dust as the air is heated and circulated rapidly.  Warm air rises which takes dust to the highest point in the room.  As the air cools, the dust will enter the space where most people are breathing.  Dust that is not breathed into the lungs will come to rest on furnishings throughout the room.  High-quality air filters should be installed on the furnace to capture tiny dust particles that will cause respiratory irritation.  Throughout the cold months, the filters must be changed at regular levels to sustain efficient air circulation.



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The National Benefit Authority Helps Clarify the Stigmas Attached to Mental Illnesses vs. Physical Disabilities

Unfortunately, agencies such as The National Benefit Authority still report evidence of a stigma attached to mental illnesses, as opposed to more “traditional” physical disabilities. Although mental illnesses are among the most common causes of disabilities, very few mentally disabled people are taking advantage of the benefits that are available to them, such as tax credits and deductions. This is partially because they and their loved ones aren’t aware of the benefits that are available to them, but in many cases it may also be the result of shame, fear and a lack of understanding.

Mental illnesses account for 50 percent of the leading causes of disability in the world, according to Dr. Blake Woodside, MD, FRCPC, President Elect of the Canadian Psychiatric Association. Based on this information, one would think mental disabilities would make up a significant portion of the disability benefits applications being filed and approved. Sadly, however, this is not the case.

Many people believe the inequity in disability tax benefits for people with mental illnesses is the result of an ongoing stigma associated with these illnesses. More studies are needed to look into this issue further, and more education would certainly help to begin removing this unfair stigma.


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The National Benefit Authority Helps You Understand Alzheimer’s and Related Tax Benefits

If you’re wondering whether Alzheimer’s disease is considered a disability, The National Benefit Authority may be able to help by not only answering your question, but by helping you or a loved one apply for tax benefits based on the symptoms of this condition. First, it is important to understand what this condition is and how it is diagnosed before you can understand how to qualify for and receive these benefits.

Understanding Alzheimer’s

Alzheimer’s disease is the most common type of elderly dementia, and one of the most complicated and misunderstood degenerative conditions that people face in their later years. It typically hits people who are older than 65 years of age, and there is no cure for this mental disease. There are approximately 27 million people afflicted by Alzheimer’s disease worldwide, and their caregivers, family members and other loved ones are also deeply impacted by the disease. The symptoms vary greatly. A person might exhibit aggression, confusion, language difficulties, mood swings and varying levels of memory loss, eventually resulting in long-term memory loss, which may even cause the afflicted individual to forget his or her own family members.

Tax Benefits Help Ease the Burden

There is no denying the seriousness of Alzheimer’s disease. To address this issue, the Canadian government has made disability tax benefits available to qualifying Alzheimer’s patients and/or eligible family members who provide care for those individuals. There is a great wealth of information available about Alzheimer’s and the related disability benefits from the government, which are intended to ease the financial burdens of this condition. Unfortunately, there is so much information to sift through and so many steps in the complicated application process that many people never bother applying. This is where organizations like The National Benefit Authority come into play. Conditions such as Alzheimer’s disease that markedly restrict one’s ability to complete activities of daily living qualify people for a variety of benefits; it’s just a matter of finishing all the necessary steps.

The National Benefit Authority can help sift through all the information and assist individuals with all the steps to qualify for benefits such as the Disability Tax Credit. It is able to provide the necessary guidance to attain these benefits and get the help that is available to move past these challenging hurdles and live a better life. You or a loved one may qualify for help, but you’ll never know unless you take the first step.



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The National Benefit Authority Helps Sufferers of Hypothyroidism Apply for the Disability Tax Credit

The simple fact that agencies such as The National Benefit Authority exist goes to show that the application process for disability benefit programs in Canada is complicated. If it were easy, and if everyone understood how it works and what it takes to qualify, no one would ever need any help from an outside organization to claim the benefits that are available to them. But it is a complicated process and people often don’t have enough information to even determine whether they would qualify in the first place. Many people who suffer from the medical condition known as hypothyroidism, for example, do not even realize that the symptoms of this disorder, if severe enough to restrict daily life, could qualify them for the Disability Tax Credit.

Hypothyroidism and the Disability Tax Credit

Hypothyroidism is an often misunderstood medical condition in which the body does not produce an adequate amount of thyroid hormones. These hormones play an important role in the functions of the body’s cells, especially when it comes to the metabolism. The lower production of these hormones leads to diminished performance of the body’s internal organs.

Hypothyroidism can have a wide range of symptoms in varying degrees. Some people have a very mild case of hypothyroidism, while others have very intense symptoms. There are tests that determine what level of thyroid hormones are being produced, so if someone is suffering from this condition, their doctor can determine how much hormone replacement medication they need.

The symptoms of hypothyroidism vary, but they often include some combination of the following:

  • Carpel tunnel
  • Depression
  • Fatigue/tiredness
  • Goiter
  • Increased sensitivity to cold
  • Low heartbeat
  • Muscle cramps
  • Osteoporosis
  • Reduced sweating

Scientists believe hypothyroidism may be caused by exposure to Iodine-131 or a deficit of iodine in the system. The condition might also be hereditary. There is also an extreme form of hypothyroidism called Hashimoto’s thyroiditis, which causes the body’s immune system to attack its own thyroid gland. Some people have swollen thyroid glands due to an overproduction of hormones, which causes the whole thyroid system to break down.

The Disability Tax Credit is available to help those whose hypothyroidism symptoms severely restrict their everyday lives. It is necessary to have a doctor certify that the condition is marked enough to impede at least one daily living activity. The application process may seem intimidating, but organizations like The National Benefit Authority are available to help make it a much smoother experience.



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The National Benefit Authority Offers Resources for Canadians with Disabilities

The National Benefit Authority has branded itself as being “passionate about helping Canadians with disabilities.” But what does this really mean? For a Canadian living with disabilities, it is a resource to help qualify for and maximize the government tax benefits that are available. This is a special service that is available to Canadians. Anyone living with a disability in Canada should learn about what this organization can offer them.

Disability Resources Available to Canadians

There are many tax benefits that the Canadian government offers its citizens, but the process of applying for these benefits can be complex and tedious without anyone to help you through it. And even for those who are already receiving disability benefits, there are often better ways to maximize the discounts and tax breaks that they don’t know about. This is why many disabled persons in Canada turn to organizations like The National Benefit Authority. Many people who make this choice begin receiving money through the benefits program in fewer than 120 days from the day they begin the application process.

One of the best things about the tax benefits program from the Canadian government is that it is retroactive for as long as a decade, meaning the taxpayer and/or their caregivers can receive back tax refunds for as many as ten previous years if they weren’t taking advantage of tax benefits before. Clients that work with The National Benefit Authority can have the funds directly deposited in their checking or savings account, typically in two to three installments.

Funds to Make Life Easier

The additional expenses that a disabled person has can really add up. With additional medical bills, transportation costs, care-giving expenses, renovations to the home and the purchase of adaptive equipment, it can be a great burden to the disabled person and their loved ones. These tax benefits are meant to level the playing field for people who suffer from disabilities, so they aren’t at such a huge financial disadvantage. The tax breaks that you may qualify for as a Canadian with a disability can be used however you see fit, from a much-needed vacation to paying off debt. For many Canadians with disabilities, the extra funds from tax refunds are used for making life easier with disability-friendly adaptations to their homes, vehicles or other necessities. With a little help in the application process, it should be fairly simple to get these tax benefits.


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Facts About the Proposed Refundable Disability Tax Credit

Many people in Canada believe the Disability Tax Credit should be refundable for those who don’t earn the income to take advantage of it. Right now millions of Canadians qualify for this tax credit, and many of them go to organizations such as The National Benefit Authority to traverse the application process and get assistance in the form of a reduction in tax obligations.  In recent times, there have been proposals from many concerned citizens to create a Refundable Disability Tax Credit.

Should the Disability Tax Credit be Refundable?

Here are a few facts to help you decide for yourself:

  • Approximately 500,000 disabled Canadians are currently living on assistance programs such as welfare.
  • Disabled persons living on welfare or similar programs do not typically earn sufficient income to benefit from the Disability Tax Credit.
  • The Disability Tax Credit is not refundable, so for those who do not earn sufficient income to pay income taxes, this benefit may be useless. Not everyone has a qualified supporting relative who can claim the Disability Tax Credit on his or her behalf.
  • Supporters of a Refundable Disability Tax Credit assert that the disability support program benefits in most provinces leave disabled recipients well below the poverty line, or in the best cases they still impose frequent status reviews, asset limits, etc.

The Proposal

Supporters of a Refundable Disability Tax Credit believe that this tax credit should be refundable for the maximum current value of $1,715 to make up for what they see as a great inequity. In this proposed arrangement, any disabled person eligible for the tax credit would get this maximum value even if they are unemployed and/or not earning sufficient income to be a taxpayer. If the Canadian federal government were to pay this Refundable Disability Tax Credit, disabled people throughout the country would receive a total of $1.1 billion. This would compensate for expenses such as caregivers, medical bills, special equipment and devices to modify their lives for their disabilities, transportation to and from doctor’s appointments, etc.

The supporters of this proposed tax credit also want to ensure that the provinces would not be able to reduce the amount of money going to disadvantaged disabled persons through various fees and programs. They assert that there must be a concerted effort to coordinate between the provinces and the federal government to make sure the benefits would be going to those who need them the most to help pay for the goods and services they need to live their lives.

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