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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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Recognizing Early Signs of Dementia After Age 50

 

As we age, paying attention to subtle behavioral changes becomes crucial. Here are five key behaviors to watch for in friends and family over the age of 50, which might warrant further attention:

  1. Apathy: A noticeable lack of interest or emotions.
  2. Affective Dysregulation: Mood swings, anxiety, or depression.
  3. Lack of Impulse Control: Difficulty managing impulses.
  4. Social Inappropriateness: Behaviors that don’t align with social norms.
  5. Abnormal Thoughts or Perceptions: Unusual beliefs or hallucinations.

These early indicators could signal underlying dementia. If you notice any of these changes, consider seeking professional advice. Early detection allows for timely intervention and better management of cognitive decline


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