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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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Your daily horoscope: July 5, 2024

 

HOROSCOPES IF TODAY IS YOUR BIRTHDAY

Not only is there a new moon on your birthday but Mars and Saturn are strong as well, which means the coming year could be and should be the most productive time of your life. Greatness awaits you, so reach out and grab it.

ARIES (March 21 - April 20):

There were times in recent weeks when one worry seemed to arrive hot on the heels of another but today’s new moon signals an end to that emotional treadmill. Happy days will be here again if your thoughts are relentlessly positive.

TAURUS (April 21 - May 21):

The more some people say that what you are working on is a waste of time and effort the more you will do it just to spite them. What they think is of no importance at all. The only thing that matters is your own delight in life.

GEMINI (May 22 - June 21):

Don’t worry too much if you have to give up something you have grown attached to in recent months, because the new moon is sure to replace it with something many times better. Was it really so great, or was it just a habit?

CANCER (June 22 - July 23):

Today’s new moon in your sign will ignite a passion – for a person, for an idea, for a goal – that was previously lacking in your life. Having found your calling you must then give it your full and undivided attention. It’s your future.

LEO (July 24 - Aug. 23):

A new moon in the area of your chart that governs your deepest thoughts and desires will answer most of your questions, and sweep away the doubts that have been plaguing you. Your world is about to turn right-side up again.

VIRGO (Aug. 24 - Sept. 23):

You are well aware that happiness comes from doing the right thing and what you do over the next few days will improve the lives of those around you and make you very happy indeed. Hold on to that joy as long as you can.

LIBRA (Sept. 24 - Oct. 23):

A window of opportunity is opening on the work front and you must take advantage of it. If you hesitate for even a minute you could lose out to a rival who, while not as talented as you, is quicker off the mark.

SCORPIO (Oct. 24 - Nov. 22):

Great things are beginning to happen around you and soon they will be happening to you as well. The most important factor is that you believe with all your heart that you deserve this good fortune, because there is no doubt that you do.

SAGITTARIUS (Nov. 23 - Dec. 21):

You can see the light at the end of the tunnel and what you do today will take you towards it at whatever speed you choose to travel. Don’t move so fast though that you fail to notice the many points of interest along the way.

CAPRICORN (Dec. 22 - Jan. 20):

A relationship issue you had forgotten about will come to the surface again and this time you can and you must deal with it once and for all. The new moon will make it easy for you to make sensible concessions and meet them halfway.

AQUARIUS (Jan. 21 - Feb. 19):

Approach what is expected of you in a positive frame of mind and make sure you give it 100 per cent effort over the next 24 hours. Your talent for getting to the root of a problem quickly will impress senior colleagues and your employer.

PISCES (Feb. 20 - Mar. 20):

Your sense of humour is such that you can find comedy in most things in life, but you need to remember that not everyone is as off-beat as you. That doesn’t mean though that there are certain topics you must avoid. That’s just self-censorship.

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