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Registered Disability Savings Plan

The Registered Disability Savings Plan (RDSP) is a long-term savings plan to help Canadians with physical or intellectual disabilities and their families save for the future. In addition, you may also be eligible for government grants and bonds. There are a variety of ways to qualify and it's best to review the criteria in depth. Often times your doctor can help as well.

In general, you should consider opening an RDSP if you have a long-term disability and are:

  • eligible for the Disability Tax Credit;
  • under the age of 60 (if you are 59, you must apply before the end of the calendar year in which you turned 59);
  • a Canadian resident with a Social Insurance Number (SIN); and
  • looking for a long-term savings plan

I have set up many RDSPs and have helped clients navigate what can sometimes feel like a complicated process. If you think you or someone in your family may be eligible, let's investigate it together.

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