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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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Total Solar Eclipse: A Celestial Spectacle Over Canada

 

The path of totality, where the sun goes directly behind the moon, will first cross through southwestern Ontario around 3:15 p.m. on Monday. From there, it will move east through Quebec and Atlantic Canada, exiting Newfoundland around 3:45 p.m. Eastern Time. Cities and towns along this path have braced for their populations to swell with eclipse chasers, with Ontario’s Niagara region even declaring a preemptive state of emergency.

As the total eclipse approaches, the sky will darken, and wildlife may fall silent as if nighttime nears. Temperatures will dip, and winds may change. The moon’s shadow will creep up on the landscape to the west. Some lucky observers may even witness shadow bands, resembling waves of light on the bottom of a swimming pool. And then, in a shared moment of awe, eclipse watchers will see the sun move directly behind the moon, casting the world into a temporary twilight.

While the next total solar eclipse in Canada is expected to pass through western provinces in 20 years, this celestial alignment only graces any given location roughly once every 360 years by some estimates. Much of Canada will still be able to witness a partial eclipse, but those gathered along the path of totality—ranging from 164 to 196 kilometers wide—will get the full show, weather permitting.

For Iyalie Russell and Gabby Gregor, their path to the solar eclipse watch spot at Niagara Falls, Ont., began in a history of astronomy course at York University. Their friendship sparked there, and they laid plans to eventually watch the solar eclipse together. Brian Rogers and his family traveled from the United States to Niagara Falls, eager to experience the eclipse framed by the iconic falls. Rogers recalled the last eclipse, saying, “It was kind of surreal because all the crickets and animals around us started making night noises, and that was pretty neat. They were confused about the situation” .

So, whether you’re in the path of totality or witnessing a partial eclipse, take a moment to look up, marvel at the cosmic dance, and let the celestial awe wash over you. 

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