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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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The Holiday Job Market Blues: A Seasonal Slump

 

The holiday season is upon us, but the job market is not as jolly as it used to be. According to a report by Indeed, Canadian postings for seasonal holiday jobs are down 30% from last year, amid a softening economy and cooling labour market1. The slowdown in holiday job openings is likely related to industry-specific trends like e-commerce and remote work.

This year’s holiday job market is hitting the skids, and it’s not looking good for job seekers. With fewer job openings, it’s becoming increasingly difficult to find seasonal work. However, job seekers are still searching for holiday work, which suggests that it may be easier for employers to find seasonal work this year.

In light of these developments, it’s important to stay positive and keep your options open. Consider exploring alternative job opportunities that align with your interests and skills. You never know, you might find something that you enjoy more than seasonal work.


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