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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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Unlocking Vitality: The Hidden Link Between Oral Health and Disease Prevention



While we diligently brush our teeth and floss, we often overlook the profound impact our oral health has on our entire body. Recent research sheds light on how maintaining good oral hygiene can significantly reduce the risk of serious health conditions. Let’s explore the secrets hidden within oral hygiene: 

1. The Mouth-Body Connection

Dr. Michael Roizen, chief wellness officer at Cleveland Clinic, emphasizes that oral health isn’t just about teeth and gums—it’s a gateway to overall well-being. Consider your body as a human donut (yes, you read that right!). There’s a tube running through us, allowing billions of microbes to enter as we breathe. When this protective barrier breaks down—whether due to gum disease or tooth decay—systemic inflammation occurs. These microbes now have a free path into our bloodstream, potentially wreaking havoc on our health.

2. The Alarming Statistics

An April 2022 report from The National Institutes of Health reveals that 90% of adults aged 20 to 64 experience tooth decay, while nearly 50% of adults aged 45 to 64 suffer from gum disease. These seemingly isolated oral issues have far-reaching consequences. Imagine your gums as gatekeepers—when they bleed, they allow harmful microbes to infiltrate your body.

3. The Silent Culprits

a. Diabetes Defense

Maintaining good oral hygiene is like flossing your way to better health. Research links poor oral health to an increased risk of diabetes, Alzheimer’s, stroke, and heart disease. Dental caries (tooth decay) and gum disease can enter the bloodstream, contributing to plaque disruption in arteries and promoting inflammation in the brain and other areas. Remember, flossing your teeth is equivalent to taking 8,000 steps a day—pretty powerful, right?

b. Alzheimer’s Armor

Dr. Maria Ryan, DDS, Ph.D., emphasizes that viewing our body as a connected system reinforces the importance of oral hygiene. Good oral health may even protect against Alzheimer’s disease. Until science catches up, daily flossing and regular dental check-ups are our best defense.

4. Your Dental Routine: A Lifesaver

Here’s the dental routine to follow:

  • Brush after meals (or at least twice a day) with a fluoride toothpaste.
  • Floss daily—it’s like giving your body a protective shield.
  • Remove and clean dentures daily, if you wear them.
  • Follow a healthy diet—your mouth and body will thank you.
  • Limit added sugar, especially sugary drinks.
  • Quit smoking—your gums will appreciate it.
  • Manage diabetes to keep blood sugar levels in check.

Remember, your smile isn’t just about aesthetics; it’s a window into your overall health. So, let’s floss, brush, and protect our well-being.

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