Spoonie Life and Language

POSTED WITH PERMISSION:

This article was written by Rowan Burdge, and originally appeared in DABC’s Transition magazine on Respecting Disability Language and Identity. (Summer 2022). Read the issue here.

When it comes to talking about bodies, I’ve found that language is challenging and nuanced.

As someone living with a chronic illness, the line between disabled and non-disabled is not always clear. I’ve struggled with how to identify and describe myself, and it’s changed over time.

When I first became disabled, I absolutely did not use disability language because it did not seem appropriate, even though I was on life-sustaining therapy. I assumed “disabled” referred only to specific disabilities, not illness, or any kind of cultural or political identity.

I was worried I wasn’t “disabled enough.”

Trying to navigate jobs, school, friendships and communities as someone who has a chronic illness is not easy. We tend to think of disability as a static, unchanging, binary category, but to me it just isn’t.

My disability, and the way the external world treats it (and me) is dynamic. It’s ever-transforming and in movement on a spectrum of wellness far more subtle than “disabled” vs. “non-disabled.”

A Disabling World

My experiences of ableism, and the stigma around illness and disability, have taught me that trying to express the challenges of chronically ill life is sometimes as complex as the actual medical challenges themselves.

My body is not a problem. The way the world treats and defines me and my disability, and the ridiculously expensive medical bills, are the actively disabling parts of my disease. I experience ableism that disables me which is why I now claim the word “disabled.”

Spoonies

One of the terms I use for myself is “spoonie.” For lots of us spoonies, disability is interwoven into our lives. Spoon theory (coined by Christine Miserandino) is a less binary way of understanding disability.

It’s a shorthand way to say I’m having a bad day or need extra support, without having to medically explain.

If I’m drained, I’m low spoons. I can say, “sorry, out of spoons” or “my spoons are low, so I’ll be leaving early” to help navigate my access needs and quickly explain my wellness/energy levels. I’ve noticed even non-disabled people who have low capacity for other explanations can identify with and easily understand this language.

Are Our Needs “Special”?

I see a lot of people use terms like “special needs” or “special abilities.” In my opinion, these expressions add a layer of confusion.

My pancreas doesn’t work. It means that one of my regular needs is to inject insulin–that’s just a part of my norm. It’s not “special.”

When we frame needs as special, it makes it seem exceptional to require different needs from other bodies, even though all bodies are unique and require different supports.

Disability is a normal part of life, but ableism has undermined that normality.

Finding Your Unique Identity

There is a lot of debate about person-first (person with a disability) vs. identity first (disabled person) language.

One part of the debate is how ableism teaches us to be ashamed of disability. I’ve spent a lot of time unpacking this and unlearning that shame.

For me, person-first language locates the disability in the individual, whereas I see disability as a cultural, shared experience of lives which are valuable, unique, brilliant and a part of diverse human experiences. Disability has also become a part of my political identity and how I move through the world. I’m proud of my disabled experiences and identity.

Now, I use the word disabled to indicate this pride in the collective experience of non-normative ways of being in the world.

Other language I love and am growing into more is “crip.” I see cripping as a verb — a way of cripping things up, unsettling, de-norming and adding that extra flair that only disabled folks can pull off. Crip and mad folks (see the box on this page) that I know are creative and resourceful, and some are downright hilarious.

There is a softness, tenderness, and solidarity in the community care I feel with other spoonies, crips, mad folks, disabled folks and wider disability (justice) spaces.

I’m also growing into the language of cyborg, but I’m still grappling with that. One of my human organs (pancreas) is replaced by a beeping plastic machine (my insulin pump). I find it fascinating to think about the implications of having a mechanical body part. What a wild thing–that a small part of me is robotic.

It’s an Important Conversation

Everyone’s experience is different and individuals have their own creative language for how they describe themselves. For me, it isn’t insulting to be called disabled, it’s just a fact.

My illness is part of my everyday life and my identity. It is always a relief to spend time with other people with non-normative body-minds, be it sick/disabled/spoonie folks, trans and gender non-conforming people, people who live with chronic pain or poor folks who understand there are complicated barriers that people can’t see until you are in a position where you require access.

People deserve to be humanized, respected and cared for, regardless of disabilities. Using the appropriate and chosen language of each person is such a simple way of doing this. If you don’t know, ask what words people prefer!

Disability, illness and impairments are part of human life — and most of us at some point will grapple with them, whether in temporary form, acquired disability, age-related changes or as ongoing integrated parts of our lives.

De-stigmatizing disabled language helps de-stigmatize disability itself and gives us more tools to talk about it.

Mad Folks

The Mad Pride movement began in 1993 in Toronto.

Mad Pride believes and advocates that people with mental illness should be proud of their “mad” identity. “Mad folks” is used by some to self-identify with pride.

Activists want to reclaim this term and others, and use them in a positive, empowering way.

Rowan (she/they) is a white settler on traditional, ancestral and unceded x?m??k?iy??m (Musqueam), S?wx?wú7mesh (Squamish), and s?lilw?ta?? (Tsleil-Waututh) territories, home of the Hul’q’umi’num’ speaking peoples. A queer, chronically ill and disabled advocate and organizer, Rowan is passionate about disability justice, equity, land back and queer liberation. They currently work as the Provincial Director with the BC Poverty Reduction Coalition.

Access Centre Team

Children’s Fun Event Honoring Indigenous People’s Day

On June 21st the Access Centre team attended our first community event in over two years; a Children’s Fun day in honor of Indigenous People’s day. This event was put on by the Ooknakane Friendship Centre with assistance from the City of Penticton’s Social Development office. There were so many groups participating: Penticton Indian Band, Ooknakane, The Access Centre, SOSBIS, SOICS, Foundry, Metis Association, Okanagan College, the list really does go on. It was lovely to see how much support there was.

The event was from 3-6 pm and there were so many fun activities for the children; bouncy castles, weaving, coloring stations, crafts, not to mention the music and traditional dances.

The Access Centre was there with information and our entire advocacy team was available to answer questions. For a fun activity, I brought my kicking pad and taught the kids to do Kung Fu kicks and punches on the pad. It was really cute to see how excited they were to hit things, often seeming shy at first but then flipping to serious intensity and focus once they got a taste!

It seemed like the whole community was really elated and happy to be out in public together. The mood was joyous and celebratory. Our team had a wonderful time connecting with other service providers and partners, some of whom we’d only seen on Zoom before, or spoken to in emails. After the long tunnel of the Covid-19 pandemic, we were finally in the light again!

It is my sincere hope that this is simply the first of many new opportunities to gather as a community, share resources, and support each other, and the people we serve.

Global Pandemic: Changes to How We Help

The Access Centre has been a drop in centre for many years, for our entire history really, even back when we were the Women’s Centre. Being open for people to drop in anytime during our business hours was the backbone of what we did. There were times when people would come in just to hang out in our lobby and take a nap in a chair because they didn’t feel safe outside. Our open door policy was how we set ourselves apart as a place where all are welcome, a place where anyone can have Access to support.

Then a global pandemic hit and we had to find a new way.

I’m sure anyone reading this can relate to the feeling of overwhelm associated with having to find new ways to do… well… everything. Suddenly, we were working mostly from home, trying to connect with the people we serve over the phone, passing along messages through online apps to stay in touch with our team. For some people, this was a pretty easy adjustment to make, for others, it meant learning many new skills. Those of us that were a bit more technologically savvy did our best to help our more old-school coworkers and together, we figured it out.

There were some particularly funny things we had to work around. I remember how ridiculous the phone tag would get! Someone would call us for help after hours and leave a message, the receptionist would listen to the message, and call them back to get the details, then forward it on to the appropriate advocate over an online messaging app. The advocate would call the person, and leave a voicemail. They would then call us back at the office and the receptionist would have to again-pass on the message to the advocate at home to try again. This could go on for days sometimes!

Something we learned from all this was that we could help some people better by using these remote tools. Folks who lived out of town, had mobility issues, or social anxiety all found it very difficult to come to our office for drop in and wait in a crowded lobby; now we can serve those people better. We were forced to learn new ways to work but it ended up being a benefit. Now we can tailor our services to the people we help to meet them where they are at.

We’ve slowly transitioned back to in-person services as it was safe to do so. Our advocates work a hybrid remote and in-person schedule and there are always several staff present each day. We’ve been meeting folks in our office since mid-2020 with safety protocols and by appointment only. Now we are open to drop in again on Tuesday afternoons for advocacy, Thursdays for income taxes, and meetings with government outreach workers Wednesday and Thursday. Folks can stop by anytime during business hours to look through donations, book an appointment, or ask questions. Our staff are doing outreach again at other organizations and in the communities of Summerland, Oliver, and Osoyoos.  It feels so good to connect with people face to face again and there are just certain people that have a really hard time making it to an appointment, maybe they don’t have a phone we can call them on, maybe they have a brain injury and can’t remember appointments, now they can drop in and get help in a way that works for them.

I don’t think we will ever go back to things the way they were. We’ve developed new ways to work and now have the flexibility to connect with people however works best. Though it was challenging and stressful at times, it made us better at our job-helping people that are experiencing barriers get access to the support they need.

Security Deposits: The Basics

There are often questions asked about how much a landlord is legally allowed to charge for a Damage Deposit or Pet Deposit. If you have further questions or feel you are being charged too much for your Pet or Damage Deposit, please give us a call to speak to one of our expert legal advocates at 250-493-6822 or email at support@accesscentre.org

The Basics

A security deposit – often referred to as a “damage deposit” – secures the tenancy for you and your landlord. Once you have paid your deposit, you cannot decide to move in somewhere else, and your landlord cannot decide to rent to someone else. If you pay a security deposit but do not move in, your landlord may be allowed to keep your deposit. You may even have to pay additional money to cover the cost associated with re-renting your unit, or to cover your landlord’s lost rental income if they cannot find a replacement tenant.

 

Security Deposits

According to section 19(1) of the Residential Tenancy Act, the maximum amount a landlord can charge for a security deposit is half the monthly rent. If your landlord requires a security deposit, you must pay it within 30 days of the date it is required to be paid. If your landlord believes you are responsible for damage beyond reasonable wear and tear, they can ask the Residential Tenancy Branch for permission to keep your security deposit.

Pet Damage Deposits

If you are allowed to have a pet, your landlord can require a pet damage deposit of up to half the monthly rent. This is the maximum amount a landlord can charge for a pet damage deposit, regardless of how many pets you have. You will have to pay this deposit either at the start of your tenancy, or when you get a pet at any point during your tenancy. If your pet causes extraordinary damage or unreasonably disturbs others, your landlord may try to evict you and keep your pet damage deposit. See TRAC’s webpage, Pets, and Residential Tenancy Branch Policy Guideline 31 for more information.

Guide dogs: If you have a dog that falls under the Guide Dog and Service Dog Act, your landlord must allow it and cannot require a pet damage deposit.

 

 

Applying Deposits Towards Rent: According to section 21 of the Residential Tenancy Act, you are not allowed to apply your security deposit towards rent without your landlord’s permission. For example, you cannot pay only half of your last month’s rent and tell your landlord to cover the remaining half with your security deposit, unless you have their written consent.

Overpaying a Deposit: The maximum amount you can be charged for a security deposit or pet damage deposit is half the monthly rent. If you have been overcharged for either, section 19(2) of the Residential Tenancy Act allows you to deduct the overpayment from your next month’s rent. Some landlords may not know that tenants have this right, so make sure to clearly communicate with your landlord if you decide to deduct rent for this reason. See TRAC’s template letter, Withholding Overpayment of Deposit from Rent. If you are not comfortable withholding rent, you can apply for dispute resolution to recover the overpayment.

Getting Your Deposit Returned: If you would like to have your deposit returned, the first step is to provide your landlord with a forwarding address in writing indicating where your deposit can be sent. See TRAC’s template letter, Return of Security / Pet Damage Deposit. Make sure to have evidence that you provided your forwarding address, such as a witness or registered mail confirmation. You should also have the option to list your forwarding address on the move-out condition inspection report.

Once you have provided your forwarding address in writing and your tenancy has officially ended, your landlord has 15 days to take one of the following three actions:

  1. return your deposit;
  2. get your written permission to keep some or all of your deposit; or
  3. apply for dispute resolution to keep some or all of your deposit.

Your landlord can return your deposit by delivering it in person, mailing it, leaving it in your mailbox or mail slot, or sending it electronically. If your landlord returns your deposit by electronic means, they are not allowed to charge a fee.

Your landlord cannot simply decide on their own to keep your deposit. If they want it, they need written permission from either you or the Residential Tenancy Branch. After 15 days, if your landlord has not returned your deposit, obtained your written consent, or applied for dispute resolution, section 38 of the Residential Tenancy Act (RTA) gives you the right to go after your landlord through dispute resolution for double the amount of your deposit.

Condition inspection reports: If your landlord does not give you a chance to participate in a move-in or move-out condition inspection, or does not provide you with a copy of either report within the required timelines, they lose the right to claim against your security or pet damage deposit for damage to the rental unit. Conversely, if you fail to participate in an inspection after receiving two opportunities, you may lose the right to have your deposit(s) returned. See sections 24 and 36 of the RTA for more information.

Info from Deposits – TRAC (tenants.bc.ca)

Eviction: The Basics

Evictions can be very frustrating and scary to navigate. If you have been evicted for any reason and feel it was a wrongful eviction, do not hesitate to give our office a call and talk to one of our expert legal advocates. 250-493-6822 or email support@accesscentre.org. 

The Basics

An eviction occurs when a landlord legally forces a tenant to move out of a rental unit. If your landlord wants to evict you, they must give you an approved notice with an acceptable reason for eviction according to the Residential Tenancy Act.

10 Day Eviction Notice for Non-Payment of Rent

Your landlord can evict you for not paying rent, even if you are only a few dollars short or one day late. If you receive a 10 Day Eviction Notice, you have five days to pay up in order to cancel the eviction. Alternatively, if your landlord is lying, you have five days to apply for dispute resolution so that you can prove to an arbitrator that you did in fact pay your full rent on time. If you choose neither of those options within five days of receiving the eviction notice, you will be expected to move out by the 10th day. See section 46 of the Residential Tenancy Act (RTA) for more information.

Direct Request: A 10 Day Eviction Notice is the most serious of the four types of evictions. If you do not pay your rent or apply for dispute resolution within five days of receiving the notice, your landlord can use the Residential Tenancy Branch’s “Direct Request” process to quickly obtain an Order of Possession without even participating in a dispute resolution hearing.

Utilities: If you fail to pay for utilities charges you owe, your landlord can give you a 10 Day Eviction Notice, but only after giving you 30 days written notice demanding payment.

One Month Eviction Notice for Cause

The most common reasons for receiving a One Month Eviction Notice are:

  • unreasonably disturbing your landlord or other occupants;
  • repeatedly paying rent late (at least three times within an unreasonably short period);
  • seriously damaging your rental unit or building;
  • not fixing or paying for damage caused by you, your guests, or your pets;
  • causing danger to your landlord or other occupants;
  • having too many occupants living in your rental unit;
  • engaging in illegal activity that negatively affects your rental unit, building, landlord, or other occupants; and
  • breaching a “material term” (serious rule) of your tenancy agreement and ignoring a written warning from your landlord.

There are other less common reasons for receiving a One Month Eviction Notice. For a full list, see section 47 of the Residential Tenancy Act (RTA).

If you feel that your landlord has unfairly given you a One Month Eviction Notice, you have 10 days to challenge the notice by applying for a dispute resolution hearing through the Residential Tenancy Branch (RTB). At the hearing, you will be given the opportunity to present evidence in support of your case, but the burden of proof will be on your landlord to convince the arbitrator to uphold the eviction notice.

Occupant limit: Your tenancy agreement may limit the number of permanent occupants allowed in your rental unit. If so, your landlord would have a strong case for eviction if you exceeded the maximum. However, even if your tenancy agreement does not include a term about the occupant limit, your landlord can still give you a One Month Eviction Notice for Cause under section 47(1)(c) of the RTA if they believe you have moved in an unreasonable number of roommates.

Move Out Date: If you do not dispute your eviction, you have until the last day of the next month to move out (assuming you pay rent on the 1st of the month). For example, if you receive a One Month Eviction Notice on March 5th, you would have to move out by April 30th. Sometimes a landlord will list the wrong move-out date on an eviction notice. If this is the case, the notice is still valid but, according to section 53 of the RTA, self-corrects to the legal move-out date. To avoid any misunderstandings with your landlord, it can be a good idea to write them and explain the law to ensure they understand that you are not illegally overholding the rental unit. See TRAC’s template letter, Illegal Eviction Notice.

Early Eviction: If you are causing extremely serious problems, your landlord can ask the RTB for permission to evict you before a One Month Eviction Notice would take effect. Your landlord is not required to give you an eviction notice before applying for this type of dispute resolution hearing. However, they must provide you with notice of the hearing so that you have a chance to present evidence and defend yourself to an arbitrator.

If an arbitrator determines that it would be unreasonable or unfair to the landlord or other occupants of your building to wait for a One Month Eviction Notice to take effect, your landlord will be given an Order of Possession to take back your rental unit on an earlier date. See section 56 of the RTA for more information.

Two and Four Month Eviction Notices for Landlord’s Use

Two Month Eviction Notice

According to sections 49 and 49.1 of the Residential Tenancy Act (RTA), you may receive a Two Month Eviction Notice if:

  • your landlord, or a “close family member” of your landlord, wants to occupy your rental unit;
  • your rental unit was sold and the purchaser, or a “close family member” of the purchaser, wants to occupy your rental unit; or
  • you no longer qualify for your subsidized rental unit.

“Close family member”: The RTA defines a “close family member” as the landlord’s spouse, or the parents or children of the landlord or the landlord’s spouse.

If you would like to challenge a Two Month Eviction Notice, you have 15 days to apply for a dispute resolution hearing through the Residential Tenancy Branch (RTB). At the hearing, you will be given the opportunity to present evidence in support of your case, but the burden of proof will be on your landlord to convince the arbitrator to uphold the eviction notice.

Four Month Notice

According to section 49 of the RTA, your landlord can give you a Four Month Eviction Notice if they plan to:

  • demolish a rental unit;
  • convert the residential property to strata lots under the Strata Property Act;
  • convert the residential property into cooperative housing under the Cooperative Association Act;
  • convert a rental unit for use by a caretaker, manager, or superintendent of the residential property; or
  • convert a rental unit to a non-residential use.

If you would like to challenge a Four Month Eviction Notice, you have 30 days to apply for a dispute resolution hearing through the Residential Tenancy Branch (RTB). At the hearing, you will be given the opportunity to present evidence in support of your case, but the burden of proof will be on your landlord to convince the arbitrator to uphold the eviction notice.

Evictions for renovations: The RTA also allows landlords to evict tenants, with four months’ notice, for major renovations that require a unit to be empty for an extended period. However, unlike other types of evictions, the landlord is required to apply for a dispute resolution hearing through the RTB, rather than serve an eviction notice on the tenant. This means that the onus to initiate dispute resolution proceedings is reversed. Instead of you being required to dispute an eviction notice for renovations by a certain deadline, your landlord is automatically required to apply for permission from the RTB to evict you. At this mandatory dispute resolution hearing, you will be given the opportunity to present evidence in support of your case, but the burden of proof will be on your landlord to convince the arbitrator to approve the eviction.

Permits: Your landlord must obtain the necessary permits required by law before issuing you a Four Month Eviction Notice, or applying to the RTB for permission to evict you for renovations.

“Right of first refusal”: In residential properties containing five or more rental units, tenants being evicted due to renovations or repairs have a “right of first refusal” to return to their unit once the renovations or repairs have been completed.

If you are interested in being offered a new tenancy agreement for your renovated unit, provide your landlord with written notice of your intention to use your right of first refusal. This will require your landlord to, at least 45 days before the completion of the renovations or repairs, inform you of the date your renovated unit will be available and provide you with a new tenancy agreement for that effective date. Although this may sound like a great opportunity, the problem is that your landlord can set your new rent at whatever amount they desire.

There are strict penalties when it comes to this area of the law. If your landlord does not offer you a right of first refusal after you have given proper notice, they could end up owing you 12 months of your previous rent as compensation. See sections 51.2 and 51.3 of the RTA for more information.

Move Out Date: If you do not dispute a “landlord’s use” eviction notice, your move-out date will be two or four months later, on the last day of the month (assuming you pay rent on the 1st of the month). For example, if you receive a Four Month Eviction Notice on March 5th, you would have to move out by July 31st. Sometimes a landlord will list the wrong move-out date on an eviction notice. If this is the case, the notice is still valid but, according to section 53 of the RTA, self-corrects to the legal move-out date. To avoid any misunderstandings with your landlord, it can be a good idea to write them and explain the law to ensure they understand that you are not illegally overholding the rental unit. See TRAC’s template letter, Illegal Eviction Notice.

Compensation: Landlord’s Use of Property Eviction Notices have nothing to do with bad behaviour. For this reason, if you receive a Two Month or Four Month Eviction Notice, you are entitled to one month rent as compensation to help with the financial burden of moving. Your landlord must either pay you this money or give you the last month rent free.

Exception: The one exception is if you are being evicted because you no longer qualify for your subsidized rental unit. If this is the case, you are not entitled to any compensation.

Deadlines to Dispute Eviction Notices

There are strict deadlines for disputing eviction notices:

  • 5 days to dispute a 10 Day Eviction Notice;
  • 10 days to dispute a One Month Eviction Notice;
  • 15 days to dispute a Two Month Eviction Notice; and
  • 30 days to dispute a Four Month Eviction Notice.

You must apply for dispute resolution within these deadlines. Failing to do so means that, from a legal standpoint, you are accepting the eviction notice and agreeing to move out.

Exceptions: Arbitrators do have the power to extend a deadline to apply for dispute resolution, but not beyond the effective date of an eviction notice. Extensions will only be granted in exceptional circumstances, such as hospitalization that prevented a tenant from disputing an eviction notice on time. See Residential Tenancy Branch Policy Guideline 36 for more information.

 

Info directly from Evictions – TRAC (tenants.bc.ca)

Annual Allowable Rent Increase for 2022

Information gathered from: Rent Increases – Province of British Columbia (gov.bc.ca)


“Annual allowable rent increase for 2022 will be 1.5%

Residential Tenancies: The 2022 maximum increase will be 1.5%

Manufactured Home Parks: For manufactured home park tenancies, the 2022 maximum increase will be 1.5% plus a proportional amount for the change in local government levies and regulated utility fees

Notice of rent increase

When issuing a new notice of rent increase, a landlord must:

  • Use the approved notice of rent increase form
  • Use the maximum amount for 2022: 1.5%
  • Give the tenant no less than three full months before the notice takes effect.
    • For example: If rent is due on the fifteenth of each month, notice must be given before October 14, 2021 and the first increased rent payment will be due January 15, 2022

Landlords can only increase the rent once in a 12 month period by an amount permitted by law or an additional amount approved in advance by an arbitrator – they need to use the right form and give the tenant three full months’ notice of the rent increase.

A rent increase for a tenant with a fixed-term agreement (lease), who is remaining in a rental unit, is limited to the maximum annual allowable amount and can only be increased once every 12 months.  Rent can no longer be increased above that amount between tenancy agreements with the same tenant.

Landlords are no longer able to apply for an additional rent increase on the basis that the rent is significantly lower than other similar rental units in the same geographic area.

Landlords may not retroactively apply a rent increase.  If a landlord did not issue a rent increase in the previous year, or issued a rent increase that was less than the amount allowed by law, they cannot later apply a rent increase to catch up.

Unlawful Rent Increase

A tenant does not have to pay an increase that is higher than the amount allowed by law. Instead, the tenant can give the landlord documents showing the allowable amount or apply for dispute resolution asking for an order that the landlord comply with the law, as long as the increase wasn’t granted through dispute resolution.

The tenant may deduct from future rent any overpayment – only if the tenant has already paid an increase higher than the legal amount. The tenant should attach a note to the rent to explain the reason for not paying the amount that the landlord has asked for.”

 

If you have any further questions, please do not hesitate to reach out to a Poverty Law Advocate at 250-493-6822 or support@accesscentre.org

Prevention is the Best Cure for Homelessness

Many times, a client comes in to the Access Centre angry or frightened because of a dispute with a landlord or perhaps they’ve received an eviction notice.

Our legal advocates will often try to negotiate a deal with the landlord if possible because, even if the tenant is in the right, the risk of losing their housing if a hearing doesn’t go in their favor is too high and then the client is left with no place to live. People can get frustrated by this because they don’t want to make a deal, they want to go to arbitration as a way to try to get justice for a perceived wrong against them. Unfortunately, this could result in being proven right but also in being homeless. Even with a financial settlement, they are still left looking for housing and as we all know, that’s in very short supply.

There is practically no housing available in Penticton right now so the best we can do is do everything possible to prevent people from losing their housing due to evictions because finding a new place is difficult and expensive.

**Speaking with a poverty law advocate is important to do right away if you get an eviction notice. Some eviction notices have a month or more of notice, some only have 10 days so don’t wait, call us at  250-493-6822 right away for more information.

It’s Tax Time Again!

 

It’s that time of year again!

This year we will be doing the Tax Clinic Monday through Thursday afternoons from 1pm – 4pm (last person in at 3:45pm) at the Access Centre (2nd floor – 304 Martin Street). No need to book an appointment, just come on down during tax drop in hours with all of your tax slips and Photo ID (expired ID is fine)

We can help with preparation and E-filing of your Personal Income Tax Returns for the last 4 years, as well as prepare any taxes over 4 years old for you to paper file (by mail) to the CRA.

COVID screening questions will be asked at the door, and masks will be required.

We can do simple returns for:

  • 1 person…. income up to $35,000
  • 2 people…. income up to $45,000
  • 3 people…. income up to $47,500
  • Each additional Dependent….$2,500

We are unable to process taxes for: 

  • Deceased persons
  • Bankruptcy
  • Self-Employment
  • Interest income over $1,000
  • Capital Gains or Losses
  • Employment Expenses
  • Business or Rental Income and Expenses
  • Sale of Property

How to Prepare for Raising a Child with a Disability

Access Centre is dedicated to serving disadvantaged individuals in the South Okanagan by offering help and access to various government and community services.

 

If you’re expecting a child with a disability, you may be unsure about how to start getting ready to accommodate their needs. Or maybe you’ve recently had a child with a mental or physical disability but you did not have the financial resources to prepare before their birth. No matter what position you’re in now, rest assured that it is never too late to take these steps. Access Centre shares the following guidance on how to take control of your financial situation, redesign your home for accessibility, and find the support your family needs.

 

Manage Your Finances

Whether you have a few months before your child is born, or your child has already arrived, there are certain fiscal tasks you’ll need to check off of your to-do list. Consider working with a financial planner to set up a [disability centered] trust or an RDSP account to begin saving for their future.

This is also a good time to consider taking on a side hustle to earn additional income outside of your full-time job. This will help you cover childcare and household expenses. Perhaps you want to offer consulting services for others in your industry or create a digital product to sell for passive income. You may also want to seek out freelance opportunities through online job boards to secure clients for article writing services, web development, administrative support, accounting, or marketing work. This is a great option if your child has already been born because you can keep an eye on them while you work.

 

Enroll In Additional Insurance

If you’re confused about how to secure additional health insurance coverage for your child, now is the time to ask questions. It is important to reach out to a supplemental health insurance provider as soon as possible to find out which treatments and services a desirable plan will cover for your child.

 

Renovate Your Home

The average home may not be totally suitable for a child with an intellectual or developmental disability. Perhaps you have time to renovate before your child’s due date, or you’re trying to figure out how you can make your home safer for your child as they get older. Depending on your child’s needs, consider widening door frames to allow space for mobility aids, installing an entrance ramp, and using adjustable LED lighting.

Depending on your home, it may be worthwhile to consider a basement renovation, particularly if it will open up a significant amount of space for you and your child to use. A typical basement renovation for an unfinished basement entails electrical work, insulation, framing, and more. Note, even an economy basement reno is still pricey, coming in around $23,000 to $31,000, in which case you may need to look into government grant opportunities to assist with funding. To help you navigate the complexities of finding out about grant or government program eligibility, connect with Access Centre.

 

Join a Support Group

If you’re still expecting, or you’re a new parent, you may benefit from connecting with a support group for parents and caregivers of children with disabilities. Perhaps you’d like to meet with an emotional support group in person, or get involved with a larger advocacy organization. Either way, finding other parents to lean on can be very helpful.

 

Practice Self-Care

Finally, don’t forget to take care of your own needs, too. Many parents of children with disabilities overextend themselves for their family’s sake, but self-care is crucial. Focus on keeping your home clean, decluttered, and free of negativity. Also, prioritize getting enough sleep, exercising on a regular basis, spending time outdoors, and meeting up with friends when you have free time. And once your baby is here, don’t be afraid to ask for help from other relatives when you need it!

When you find out that you are expecting a child with a disability, it can be difficult to figure out exactly what your child will need and how you can start preparations. And sometimes, you may not have the opportunity to take care of these preparations until after your child is born. But when you have the opportunity to do so, completing these items will allow you to take better care of your child and yourself.

Special thanks to our guest writer: Lydia Chan 

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