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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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Ontario Introduces Comprehensive Plan to Limit Cellphone Use and Ban Vaping in Schools

 

In a groundbreaking move, the Ontario government has unveiled an ambitious plan to reduce distractions in classrooms and enhance student well-being. The plan, which aims to standardize and strengthen provincewide measures, addresses the rising concerns related to cellphone usage and vaping among students.

Key Measures:

  1. Cellphone Restrictions:

    • Students in kindergarten through Grade 6 will be required to keep their phones on silent and out of sight for the entire school day, unless explicitly permitted by an educator.
    • For students in Grades 7 to 12, cellphones will not be allowed during class time unless explicitly directed by the educator.
    • The policy emphasizes “out of sight and out of mind,” restoring focus, safety, and common sense in Ontario schools.

  2. Social Media Removal:

    • Social media websites will be removed from all school networks and devices. This step aims to minimize distractions and promote a more focused learning environment.

  3. Vaping Ban:

    • Vaping will be banned in all Ontario schools.
    • Students caught using or carrying vaping devices will be required to surrender them, with parents immediately notified of the situation.
    • The government has allocated $30 million in the 2024 budget to install vape detectors and enhance security in schools.

  4. Supports for Mental Health and Parent Engagement:

    • The government will invest $17.5 million in new wrap-around supports for student mental health and parent engagement.
    • Initiatives include providing support for students at risk of addictive behaviors and developing webinars and resources for parents and students to address the adverse effects of vaping and excessive cellphone usage.

This comprehensive plan reflects Ontario’s commitment to prioritizing student learning, safety, and well-being. By addressing distractions head-on, the province aims to create a more conducive environment for education and growth. 

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