What is an RDSP?

Registered Disability Savings Plan (RDSP): A plan set up to help Canadians with disabilities be financially prepared for the future.

You can have an RDSP account if you are:

  • Eligible for the Disability Tax Credit
  • A Canadian resident with a Social Insurance Number (SIN)
  • Under the age of 60

Things to know about a RDSP

Anyone can contribute to a RDSP: Family, friends, neighbours, or even a stranger; whoever wants to help out can!

  • Use of Withdrawals: Once taken out of the fund, the money can be used for anything.
  • Lifetime Contribution Limit: You can contribute any amount into a RDSP each year, up the $200,000 lifetime contribution limit

 

Government Benefits for Low-Income families

 

Income Restriction

Benefits

Canada Disability Savings Grant

$95,295 and below

The government will match $3 for every $1 contributed in the RDSP

Canada Disability Savings Bond

$31,120 and below

The government will put in $1000 each year for 20 years

 

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