Personal Finance

Can I claim my daughter's medical expenses?

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  • Apr 14th, 2022 5:38 pm
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[OP]
Deal Addict
Apr 27, 2015
2946 posts
1604 upvotes
Mississauga

Can I claim my daughter's medical expenses?

My daughter is 20 y.o. and student in University. Can I claim on my return my daughter's medical expenses?
"All animals are equal but some animals are more equal than others" George Orwell
9 replies
Deal Fanatic
Sep 23, 2007
5500 posts
1843 upvotes
Let me direct you to this article. There is a good chance yes...you could.

https://www.canada.ca/en/revenue-agency ... enses.html

The definition of a dependent is not exhaustively defined. I myself have claimed my parents are dependents some years past. It was allowed with no questions asked. But I can't say that you won't be audited. Medical expenses, if irregular, could trigger an audit. Since you are asking I'm guessing this is the first time you considered claiming medical expenses. Also note that the dependent's income is required. You will find the calculation works such that if the dependent has high enough income, it would not generate any benefit for you to claim.

A key word for CRA is reasonability. If audited, you are also responsible to show that the medical expense is at least sensible. But this is usually not that difficult.

On the tax form there isn't space to elaborate on what the medical condition or type of expense is. If it's your first time, and/or if the amount is large, you may be audited. Or you may simply be selected for audit at random. Who knows....At that point CRA will request you to submit information to support your claim. They will document your information and use that for basis for future year's test of reasonability. For example...if you did Lasik, that's a one time event. If you hired a caregiver for a medical condition that will persist, then they would probably find it reasonable if your claim amounts rise by the rate of inflation each year. If you have sharp spikes, that will greatly up your chances of an audit.
Last edited by BananaHunter on Mar 29th, 2022 2:57 pm, edited 1 time in total.
[OP]
Deal Addict
Apr 27, 2015
2946 posts
1604 upvotes
Mississauga
catsoncoffee wrote: Yes, but they are claimed on a separate line from your own medical expenses and the threshold is based on her income instead of yours

https://www.canada.ca/en/revenue-agency ... eturn.html
The problem with "lines" that I'm doing taxes on Turbotax .... my daughter is entered as dependent, so generally I can claim medical expenses for dependants, but not sure if it's valid claim
"All animals are equal but some animals are more equal than others" George Orwell
Deal Addict
Oct 23, 2017
2692 posts
2264 upvotes
GTA West
BananaHunter wrote: Let me direct you to this article. There is a good chance yes...you could.

https://www.canada.ca/en/revenue-agency ... enses.html

The definition of a dependent is not exhaustively defined. I myself have claimed my parents are dependents some years past. It was allowed with no questions asked. But I can't say that you won't be audited. Medical expenses, if irregular, could trigger an audit. Since you are asking I'm guessing this is the first time you considered claiming medical expenses. Also note that the dependent's income is required. You will find the calculation works such that if the dependent has high enough income, it would not generate any benefit for you to claim.

A key word for CRA is reasonability. If audited, you are also responsible to show that the medical expense is at least sensible. But this is usually not that difficult.

On the tax form there isn't space to elaborate on what the medical condition or type of expense is. If it's your first time, and/or if the amount is large, you may be audited. Or you may simply be selected for audit at random. Who knows....At that point CRA will request you to submit information to support your claim. They will document your information and use that for basis for future year's test of reasonability. For example...if you did Lasik, that's a one time event. If you hired a caregiver for a medical condition that will persist, then they would probably find it reasonable if your claim amounts rise by the rate of inflation each year. If you have sharp spikes, that will greatly up your chances of an audit.
I have been audited twice on my medical expenses and had to send them all my receipts, and expect to be audited again for 2021. In those years I had expenses of some $15,000 and $7,000 if I recall correctly.

To make this easier, I organize my expenses from the getgo and keep all my receipts and insurance claims together. They have never denied any item but they wanted me to correct a $34 discrepancy between a dentist form and the insurance claim form.

The CRA publishes a comprehensive list of eligible expenses that I have found to be very helpful. You can also play with the timing and use any 12 month period ending in the taxation year if that helps you.
Deal Addict
May 16, 2017
2509 posts
3312 upvotes
Dealmaker1945 wrote: I have been audited twice on my medical expenses and had to send them all my receipts, and expect to be audited again for 2021. In those years I had expenses of some $15,000 and $7,000 if I recall correctly.

To make this easier, I organize my expenses from the getgo and keep all my receipts and insurance claims together. They have never denied any item but they wanted me to correct a $34 discrepancy between a dentist form and the insurance claim form.

The CRA publishes a comprehensive list of eligible expenses that I have found to be very helpful. You can also play with the timing and use any 12 month period ending in the taxation year if that helps you.
"Audited" or "reviewed" - review is common and generally just requires supporting documents. Audit is a much more significant detailed analysis of your tax return and justification of deductions.
Deal Addict
Apr 16, 2015
1119 posts
1417 upvotes
gibor365365 wrote: The problem with "lines" that I'm doing taxes on Turbotax .... my daughter is entered as dependent, so generally I can claim medical expenses for dependants, but not sure if it's valid claim
I don’t use turbotax but there are two separate calculations:
One for you, your spouse and children under 18 (based on your income) and
One for « other dependants » such as you 20 year old daughter, which are based on the dependant’s income
Turbotax must have places to enter these separately
Deal Addict
Nov 16, 2016
2210 posts
2747 upvotes
Edmonton, AB
BananaHunter wrote: Let me direct you to this article. There is a good chance yes...you could.

https://www.canada.ca/en/revenue-agency ... enses.html

The definition of a dependent is not exhaustively defined. I myself have claimed my parents are dependents some years past. It was allowed with no questions asked. But I can't say that you won't be audited. Medical expenses, if irregular, could trigger an audit. Since you are asking I'm guessing this is the first time you considered claiming medical expenses. Also note that the dependent's income is required. You will find the calculation works such that if the dependent has high enough income, it would not generate any benefit for you to claim.

A key word for CRA is reasonability. If audited, you are also responsible to show that the medical expense is at least sensible. But this is usually not that difficult.

On the tax form there isn't space to elaborate on what the medical condition or type of expense is. If it's your first time, and/or if the amount is large, you may be audited. Or you may simply be selected for audit at random. Who knows....At that point CRA will request you to submit information to support your claim. They will document your information and use that for basis for future year's test of reasonability. For example...if you did Lasik, that's a one time event. If you hired a caregiver for a medical condition that will persist, then they would probably find it reasonable if your claim amounts rise by the rate of inflation each year. If you have sharp spikes, that will greatly up your chances of an audit.
While i know that its Line 33199 that is used to support the Medical Expenses, is OPs daughter a dependent? Don't you have to be medically disabled to claim as a dependent, or be under 18 (of which OPs daughter is none)? I always thought university students were not dependents.
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Deal Addict
Apr 16, 2015
1119 posts
1417 upvotes
Bigboy16 wrote: While i know that its Line 33199 that is used to support the Medical Expenses, is OPs daughter a dependent? Don't you have to be medically disabled to claim as a dependent, or be under 18 (of which OPs daughter is none)? I always thought university students were not dependents.
There is no universal definition of "dependant" - it is defined differently for purposes of different tax credits. For the medical expense credit, it is available for a child, grandchild, parent, grandparent, brother, sister, uncle, aunt, niece or nephew of the taxpayer or of the taxpayer’s spouse or common-law partner if they are dependent on the individual for support at some time in the year. Whether a person is dependent upon the individual for support is a question of fact. In general terms, support involves the provision of the basic necessities of life such as food, shelter and clothing, on a regular and consistent basis. This support may be given voluntarily or pursuant to a legal commitment. Where the person has income during the year, it would have to be shown that this income was insufficient to meet their basic needs and that they had to rely on the support provided by the person claiming the credit. Source: https://www.canada.ca/en/revenue-agency ... .html#toc3
Deal Addict
Nov 16, 2016
2210 posts
2747 upvotes
Edmonton, AB
catsoncoffee wrote: There is no universal definition of "dependant" - it is defined differently for purposes of different tax credits. For the medical expense credit, it is available for a child, grandchild, parent, grandparent, brother, sister, uncle, aunt, niece or nephew of the taxpayer or of the taxpayer’s spouse or common-law partner if they are dependent on the individual for support at some time in the year. Whether a person is dependent upon the individual for support is a question of fact. In general terms, support involves the provision of the basic necessities of life such as food, shelter and clothing, on a regular and consistent basis. This support may be given voluntarily or pursuant to a legal commitment. Where the person has income during the year, it would have to be shown that this income was insufficient to meet their basic needs and that they had to rely on the support provided by the person claiming the credit. Source: https://www.canada.ca/en/revenue-agency ... .html#toc3
Ah, thank you! It's definitely a point of contingency - I was going to get my parents to claim some of my orthodontist expenses as it easily exceeds both the $2K limit and 3%. However, given it might cause an audit (in general given this is an aspect CRA usually looks at) and this dependant thing is something I'll have to back up, I'll avoid it. Thank you!!
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