Health policyCanada

The RDSP was meant to help disabled Canadians save for the future. Yet many don't know it exists

Only about 34 per cent of Canadians eligible for the Registered Disability Savings Plan have opened one, a 2024 Statistics Canada investigation found, versus roughly 68 per cent uptake for TFSAs and RRSPs. The plan offers up to $70,000 in federal grants and $20,000 in bonds, but take-up is held back by low awareness, few providers, and a 16-page clinician questionnaire needed to qualify for the Disability Tax Credit.

Frontline workers may be the first to tell eligible clients about a plan worth up to $90,000 in federal help that most never hear about.

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