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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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Canadian Rent Market Cools: Average Asking Rent Hits 18-Month Low

Canada’s rental market is showing signs of relief for tenants as average asking rents fell to $2,100 in January 2025—an 18‐month low that represents a 4.4% year-over-year decline.

This marks the fourth consecutive month of annual decreases following 38 straight months of rising rents, indicating a potential turning point in the market.

The drop was most pronounced in the secondary rental market, with condo apartments decreasing by 6.5% and houses and townhomes by 8.9%, while purpose-built rental apartments experienced a modest decline of just 1.7%.

Urbanation President Shaun Hildebrand attributed the downward trend to heightened economic risks, a slowdown in international population inflows, and multi-decade highs in apartment completions, all of which are contributing to improved affordability for renters.

Regional differences remain notable: Ontario recorded the steepest decline, with apartment rents dropping 5.2% to an average of $2,329, whereas British Columbia—despite a 2.6% decrease—remains the priciest rental market at $2,463.

Despite these declines, current rental prices are still 5.2% higher than they were two years ago and 16.4% above rates from three years ago, underscoring persistent pressures in the market.

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