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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: April 9, 2025

 

HOROSCOPES IF TODAY IS YOUR BIRTHDAY

Dare to dream. Dare to believe. Dare to be different. The message of your birthday chart for the coming 12 months is that all things are possible and that a creative endeavour of some kind could make you a star – and a rich one at that.

ARIES (March 21 - April 20):

You have some major issues to deal with at the moment but if you are smart you will put them on the back burner for a while and commit yourself to having fun. You can get serious again around the time of the full moon on the 13th.

TAURUS (April 21 - May 21):

Be careful what you wish for today because if you want something enough the universe will go out of its way to give it to you and you may find you are not yet ready for it. Stick with what you know you can handle for the time being.

GEMINI (May 22 - June 21):

Jupiter in your chart is tempting you to do something irrational and maybe it is right, maybe you should. You have never been one for playing safe and there is no reason why you should do so now. Take a chance and make it a big one.

CANCER (June 22 - July 23):

If you try to appease someone who is giving you a hard time they will see that as a sign you can be easily intimidated. Find a way to send them a clear and unequivocal message that you will not allow them to kick you around.

LEO (July 24 - Aug. 23):

You may not want to believe what a friend or family member tells you today but deep down you know they are being honest and because of that you must respect what they say. As they are so open about their feelings you must strive to be understanding.

VIRGO (Aug. 24 - Sept. 23):

You may be finding it hard to decide if your glass is half full or half empty at the moment but what occurs over the next 24 hours will convince you that you should be laughing rather than crying. Life is good and will soon get even better.

LIBRA (Sept. 24 - Oct. 23):

Someone you are obliged to do business with today may seem a bit strange to begin with but once you get to know them better you will get along just fine. Your contrasting styles may even knit together to form a highly successful team.

SCORPIO (Oct. 24 - Nov. 22):

There is something that needs to be said and you know if you don’t say it now you may lose your nerve and not say it at all. Don’t worry. The response will be positive and others will thank you for having the courage to tell the truth.

SAGITTARIUS (Nov. 23 - Dec. 21):

If you exert yourself too much physically today you may regret it around the time of the full moon at the weekend. It may not be in your nature to hold back a bit but you don’t have to give 100 per cent every minute of every day.

CAPRICORN (Dec. 22 - Jan. 20):

It’s not like you to let others provoke you but if a competitor throws down a challenge of some kind today you may feel you cannot ignore it. In which case you should make sure your response is so strong that they never challenge you again!

AQUARIUS (Jan. 21 - Feb. 19):

The planets warn that if you try to cram too much effort into too little time today the result could be chaos. Despite what some people say you are not being measured against the clock and there are no deadlines that need to be met.

PISCES (Feb. 20 - Mar. 20):

You may be tempted to ridicule someone’s opinions today but you need to be aware that if you make them look silly they will hold a grudge against you for years. Is it worth the potential payback? No it is not, so keep your mouth shut.

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