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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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Federal Court Upholds Trudeau's Prorogation Decision

 

In a landmark ruling, the Federal Court has dismissed a legal challenge against Prime Minister Justin Trudeau's decision to prorogue Parliament earlier this year. The challenge, brought forward by two Nova Scotia residents, argued that Trudeau's move lacked reasonable justification and undermined Parliament's constitutional role. However, Chief Justice Paul Crampton concluded that the Prime Minister acted within his constitutional authority.

The court acknowledged the applicants' concerns about the growing concentration of power in the executive branch but found no evidence that Trudeau's decision exceeded legal limits or was solely driven by partisan motives. The ruling emphasized that the Prime Minister's advice to the Governor General, Mary Simon, to prorogue Parliament was not subject to judicial review in this context.

Trudeau had justified the prorogation as a necessary "reset" for a gridlocked Parliament and announced his intention to resign as Liberal leader, paving the way for new leadership. The decision has sparked debate about the balance of power between Canada's executive and legislative branches, but for now, the court's ruling affirms the legality of Trudeau's actions.

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