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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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Wall Street's Balancing Act: Tariff Talks and Market Movements

U.S. stock futures dipped slightly today as investors assessed the implications of easing tariff tensions between the United States and China. This comes after President Trump hinted at scaling back the hefty tariffs on Chinese imports, which have been a major point of contention in global trade relations.

While optimism surrounding trade negotiations has buoyed the market in recent sessions, mixed signals from both nations have left investors cautious. The Dow Jones Industrial Average futures fell by 0.4%, while Nasdaq and S&P 500 futures also showed minor declines. Tech stocks, which had rallied earlier in the week, are now facing a more subdued outlook as the market awaits further clarity on trade policies.

In addition to trade developments, corporate earnings reports are adding another layer of complexity to market dynamics. Companies like Alphabet and Intel have reported contrasting results, influencing sector-specific movements.

As Wall Street navigates these uncertainties, the focus remains on how easing tariff tensions and corporate performance will shape the broader economic landscape. 


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