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Two-Thirds of RDSP Money Goes Unclaimed: How Ottawa's $70,000 Disability Benefit Actually Works

  Published August 19, 2026 Of the 311,000 active Registered Disability Savings Plans opened since the program launched in 2008, Canadians have contributed $3.3 billion — and Ottawa has matched that with $5.1 billion in grants and $2.1 billion in bonds, according to figures reported by BNN Bloomberg on Wednesday. That sounds like a program working as intended. It isn't. The same report cites the latest Statistics Canada tally showing that two-thirds of the government money set aside for the RDSP goes unclaimed every year, largely because eligible Canadians don't know the plan exists. If you or someone in your family is approved for the Disability Tax Credit, this is one of the highest-value accounts the federal government offers — richer, dollar for dollar, than the RRSP, the TFSA, or the RESP. Here's how the math actually works, and what it takes to claim your share. Who qualifies Anyone approved for the Disability Tax Credit (DTC) — via CRA Form T2201, certified by a medi...

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Healthy Meals: Quinoa Salad with Avocado and Tomatoes:

 


Here's a delicious and healthy recipe for Quinoa Salad with Avocado and Tomatoes:


Ingredients:

For the salad:

  • 1 cup quinoa
  • 2 cups water or vegetable broth
  • 1 pint cherry tomatoes, halved
  • 2 ripe avocados, diced
  • 1/2 cup red onion, finely chopped
  • 1/2 cup fresh cilantro, chopped
  • 1/4 cup fresh mint leaves, chopped (optional)
  • 1/2 cup crumbled feta cheese (optional)
  • Salt and pepper to taste

For the dressing:
  • 3 tablespoons extra-virgin olive oil
  • 2 tablespoons fresh lemon juice (about 1 lemon)
  • 1-2 cloves garlic, minced
  • 1 teaspoon honey or maple syrup (for sweetness)
  • Salt and pepper to taste


Instructions:

1. Rinse the quinoa under cold water to remove any bitterness. In a medium saucepan, combine the quinoa and water or vegetable broth. Bring to a boil, then reduce the heat to low, cover, and simmer for about 15 minutes or until the quinoa is cooked and the liquid is absorbed. Remove from heat and let it cool.

2. While the quinoa is cooling, prepare the dressing. In a small bowl, whisk together the olive oil, lemon juice, minced garlic, honey or maple syrup, salt, and pepper. Adjust the seasoning to your taste.

3. Once the quinoa has cooled, fluff it with a fork and transfer it to a large salad bowl.

4. Add the cherry tomatoes, diced avocados, chopped red onion, cilantro, and mint (if using) to the quinoa.

5. Pour the dressing over the salad ingredients and gently toss to combine, ensuring everything is evenly coated with the dressing.

6. If desired, add the crumbled feta cheese on top of the salad.

7. Taste the salad and adjust the seasoning with more salt and pepper if needed.

8. Serve the quinoa salad immediately, or cover and refrigerate it for a couple of hours to let the flavors meld together.


This Quinoa Salad with Avocado and Tomatoes is not only delicious but also packed with nutrients. It's perfect as a side dish or a light and healthy meal on its own. Enjoy!

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