Registered Disability Savings Plan (RDSP)

How an RDSP Works

Available to Canadians who qualify for the Disability Tax Credit (DTC). The government contributes through the Canada Disability Savings Grant (CDSG) and Canada Disability Savings Bond (CDSB).

Government Contributions

• Canada Disability Savings Grant (CDSG): up to $3,500/year based on contributions and family income
• Canada Disability Savings Bond (CDSB): up to $1,000/year for lower-income families — no contribution required
• Lifetime grant limit: $70,000
• Lifetime bond limit: $20,000
• Contributions can be made by anyone — family, friends, anyone

Key Rules

• Must have a valid Disability Tax Credit certificate
• Withdrawals (LDAPs) begin by age 60
• Government grants must be repaid if RDSP closed within 10 years of last grant
• RDSP does not affect disability benefits in most provinces