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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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Almond Cookies


With their chewy texture, rich almond flavor, and just the right amount of sweetness, almond cookies are perfect for holiday gatherings, afternoon tea, or a cozy coffee break.


Ingredients

3 large egg whites

½ teaspoon salt

½ teaspoon almond extract

1 teaspoon vanilla extract

1 cup granulated sugar

2½ cups almond flour

About 1 cup confectioners’ sugar (for rolling)


instructions

1. Whisk egg whites, salt, almond extract, and vanilla extract until frothy.

2. Add granulated sugar and whisk until combined.

3. Stir in almond flour until the dough comes together.

4. Chill the dough in the refrigerator for at least 1 hour.

5. Roll dough into balls, coat with confectioners’ sugar, and place on baking sheets.

6. Bake at 350°F (175°C) for 20-25 minutes until puffed with a crinkled appearance.

7. Let cool on baking sheets before transferring to a wire rack.




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