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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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How Exercise Can Keep Your Arteries Healthy and Prevent Heart Disease


Heart disease is the leading cause of death worldwide, and one of the main factors that contributes to it is plaque buildup in the arteries. Plaque is a complex substance that narrows the arteries and reduces blood flow, increasing the risk of heart attacks and strokes. But there is one powerful habit that can help prevent and even reverse plaque buildup: regular physical activity.

According to cardiologists, exercise has multiple benefits for the health of the arteries and the heart. It can lower the levels of “bad” cholesterol and raise the levels of “good” cholesterol, which help keep the arteries clear. It can also lower blood pressure, reduce inflammation, and improve insulin sensitivity, which are all factors that can damage the arteries and lead to diabetes.

Exercise can also stimulate the growth of new blood vessels and improve the function of existing ones, even in people who already have plaque buildup. This can enhance the blood supply to the muscles and organs, and prevent the plaque from rupturing and causing a clot.

The American Heart Association recommends aiming for 150 minutes of moderate-intensity aerobic activity per week, such as brisk walking, swimming, cycling, or dancing. However, any amount of physical activity is better than none, and it is important to find activities that are enjoyable and fit your schedule. You can also break up your exercise into shorter sessions throughout the day, or do more intense workouts on the weekends.

Exercise is not only good for your physical health, but also for your mental and emotional well-being. It can reduce stress, improve mood, and enhance cognitive function. By staying active, you can protect your arteries and your heart, and enjoy a longer and happier life.

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