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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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Your daily horoscope: March 28, 2025

 

HOROSCOPES IF TODAY IS YOUR BIRTHDAY

Go your own way and do your own thing over the coming 12 months and don’t listen to those who urge caution. They may be happy with average goals in life but you are determined to make your mark on the world – and you will!

ARIES (March 21 - April 20):

Tomorrow’s solar eclipse in your sign is a magnificent cosmic omen and whatever you choose to begin over the next two or three days is sure to be a huge success. No matter how outrageous your dreams may be they WILL come true!

TAURUS (April 21 - May 21):

If you get the chance to help someone in need today you must take it, not only because it is right that you should assist those who have been less fortunate in life but also because the universe will reward you handsomely for your generosity.

GEMINI (May 22 - June 21):

Do as you please today and don’t listen to those who say you are taking too many risks or biting off more than you can chew, because they are wrong. The upcoming solar eclipse will make even the most difficult of tasks feel easy.

CANCER (June 22 - July 23):

If you honestly believe that you are being undervalued on the work front then now is the time to kick up a fuss about it. Let people in positions of authority know that you are no longer prepared to do an excellent job for so little recognition.

LEO (July 24 - Aug. 23):

If you follow your instincts today they will lead you in a direction that you thoroughly enjoy. Because the approaching solar eclipse takes place in the most adventurous area of your chart you really can’t put a foot wrong at the moment.

VIRGO (Aug. 24 - Sept. 23):

According to the planets you have been far too generous of late and need to cut back on what you do for other people. That applies as much to your generosity with money as it does to your time. You don’t have to pay for everything Virgo!

LIBRA (Sept. 24 - Oct. 23):

Before you ride to the rescue of someone in distress today you need to make sure of two things: first, that they really are in distress; second, that they really do want rescuing. It’s good of you to care but it may not actually be necessary.

SCORPIO (Oct. 24 - Nov. 22):

You are in such a forceful mood that few people will have the power to stand against you, and even fewer will want to try. That’s because they know that when you are in this frame of mind compromise is a word you don’t understand!

SAGITTARIUS (Nov. 23 - Dec. 21):

Creatively and romantically the next few days will be special and if you can find a way to link your love life with your artistic pursuits then they could be some of the best days of the entire year. Set your sights high then reach for the stars.

CAPRICORN (Dec. 22 - Jan. 20):

Because tomorrow’s solar eclipse takes place in the domestic area of your chart this is the perfect time to resolve any problems you may have with family members. No matter what may have been said or done you CAN now move on from it.

AQUARIUS (Jan. 21 - Feb. 19):

You will have plenty to say for yourself today and over the weekend but you must make sure that every word that comes from your lips is designed to help people feel better about themselves. You will feel great that they feel so good.

PISCES (Feb. 20 - Mar. 20):

If you are considering taking a financial risk then the approaching solar eclipse will point you in the right direction. It will also point out where the pitfalls might be, so don’t just race ahead blindly, listen to what your inner voice tells you.

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