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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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Trump Reaffirms Tariff Threats Against Canada at Davos

In a virtual address at the World Economic Forum in Davos, Switzerland, U.S. President Donald Trump reiterated his stance on imposing tariffs against Canada. Trump emphasized that the United States does not need Canadian imports of oil, gas, vehicles, or lumber, and criticized Canada's trade policies as unfair.

Trump's comments come just days after his inauguration for a second term, marking his first international speech since returning to the White House. He characterized the trade relationship between the two nations as adversarial and blamed Canada's import policies for the U.S.'s trade deficit.

During his speech, Trump highlighted his administration's protectionist plans, including tariffs, deregulation, and tax cuts, aimed at reducing inflation and boosting the U.S. economy. He also mentioned that the U.S. would demand respect from other nations and would not tolerate trade deficits.

Canadian political leaders have expressed concern over Trump's remarks, with some advocating for diplomacy and others preparing for potential retaliation. Alberta Premier Danielle Smith, who recently met with Trump, emphasized the importance of cross-border trade within the oil and gas sectors.

Trump's speech has triggered widespread criticism and debate among political leaders and economists, who warn that tariffs on Canadian energy exports could drive up gasoline prices for Americans and threaten Trump's plans for "energy dominance".


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