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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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Peak of Sensitive Cherry Blossoms in Toronto Faces Frost Threat

 

As Toronto eagerly anticipates the annual cherry blossom peak, a sudden threat looms overhead. The delicate cherry blossoms, known for their vibrant displays, are at risk due to the possibility of frost. With overnight lows expected to dip below freezing and little to no wind, the potential frost could jeopardize the blossoms’ beauty

The High Park cherry blossoms are currently in their most sensitive stage regarding weather threats, specifically frost. As of April 19, they reached Stage 5, with a minority of sakura flowers having opened up in the park, representing nearly 20% growth. However, warmer weather is needed for them to enter full bloom. Other parts of the city, including near the University of Toronto, have already experienced trees in full bloom as early as April 15 this year.

Unfortunately, frost poses a hazard to the quality of this year’s bloom. In previous years, extreme cold temperatures led to disappointing displays. For instance, in 2016, 14 consecutive frosts during the first half of April resulted in only a 25% peak bloom in early May. Two years later, the situation was even worse, with three consecutive frosts late into April after a 10-day mild stretch. The killing frost materialized during the flower’s most sensitive stage, causing the bloom to fail to materialize.

The critical temperature for cherry blossoms is colder than -2°C, beyond which damage can occur. Let’s hope that this year’s flowers prove extra resilient as Toronto faces back-to-back consecutive frosts and another forecasted event that may impact the bloom. 

If you’re in Toronto, consider visiting High Park this weekend to witness the cherry blossoms for yourself. Fingers crossed that Mother Nature is kind to these delicate blooms! 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 


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