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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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Rising Border Anxiety: Social Media Ads for Smugglers Flourish

As border anxiety continues to mount, a concerning trend has emerged on social media platforms like TikTok and Facebook: advertisements for smugglers offering illegal crossings from Canada into the United States. These ads, often targeting vulnerable migrants, promise safe passage for a hefty fee, despite the inherent dangers and legal consequences.

Recent investigations have revealed that smugglers are using social media to solicit migrants, particularly from Indian temporary residents in Canada, with promises of "safe" and "easy" crossings. These offers have become increasingly common, with some accounts boasting hundreds of thousands of followers. The U.S. Border Patrol has reported a record number of encounters with migrants at the Canadian border, highlighting the growing issue.

Authorities warn that these illegal crossings are not only prohibited by Canadian and American laws but also pose significant risks to the migrants involved. Tragic incidents, including drownings and hypothermia, have been reported along the northern border. Despite these dangers, the lucrative nature of human smuggling continues to attract organized crime networks.

Efforts to combat this issue are ongoing, but the widespread use of social media by smugglers makes it a challenging battle. As border anxiety grows, it is crucial for authorities and communities to work together to address the root causes of migration and provide safer alternatives for those seeking a better life.




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