When there is a person with a disability in the family, every choice - from buying a car to healthcare costs - weighs a little more. Not just emotionally, but also economically.
Nevertheless, many of the tax breaks designed specifically to lighten this burden often remain unused because they are explained in a complicated way, scattered among regulations and circulars, and it is not always clear how they really work. Since the Revenue Agency has published a very complete guide, let's briefly look at the key points.
The car
For many families, the car is freedom: go for a visit, accompanying a child to school, get to work. The legislation recognizes this need and provides important benefits.
If the person with a disability falls into certain categories (blind, variety, psychic disability with accompaniment, severe motor limitations), Buying a car can become much more accessible.
The deduction of 19% on purchasing is the best known one, but it's not the only one. VAT drops to 4%, the car tax is no longer paid and the transfer of ownership is also exempt.
They are measures that, add up, they can make a real difference to the family budget.
Healthcare costs
Medical expenses, you are, they don't look anyone in the face. And when there is a disability, they often become a constant item in the family budget. The good news is that many of these expenses can be deducted or deducted.
Medical visits and medications are among the deductible expenses, while for specific assistance – that provided by nurses, OSS, educators – there is a dedicated deduction.
A particularly useful chapter is that of technical and IT aids: computer, software, communication devices, lifters, platforms. All tools that improve autonomy and quality of life. On these you can obtain both the deduction of 19% and the VAT reduced.
For blind people, the legislation also provides specific benefits, like those for guide dogs.
The removal of architectural barriers
An affordable home is not a luxury: it is a minimum condition for living well. Interventions to eliminate architectural barriers – elevators, stairlift, ramp, adapted bathrooms – can benefit from dedicated tax deductions.
The percentages change based on current legislation, but the goal always remains the same: help families make their home a safe and functional place.
Personal assistance
When a family relies on a caregiver or personal assistant, costs can become significant. The law allows you to deduct contributions paid e, in case of non-self-sufficiency, to deduct a portion of the expenses incurred for assistance. It is a help that is often underestimated, but which can significantly lighten the annual budget.
Insurance policies
People with disabilities can deduct a portion of insurance premiums related to the risk of death or permanent disability. It's not just a tax advantage: it is a way to make protection tools more accessible that can guarantee peace of mind in the long term.
Inherits and donations
When planning the future, especially in the presence of a serious disability, the legislation provides preferential conditions and higher deductibles. It's a delicate topic, but knowing the rules allows us to make more informed choices and best protect those we love.
Tax breaks for disability are therefore not a "bonus" to be discovered by chance: they are tools designed to support the daily life of families. Knowing them means being able to plan better, avoid unnecessary expenses and get what you really deserve.
Alex Gaetani
Here you can download the complete Guide for free