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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: January 29, 2025

 

HOROSCOPES IF TODAY IS YOUR BIRTHDAY

Yours is one of the birthdays of the year and if you put your mind to it there really is nothing you cannot accomplish. Use your mind to identify the goals that mean the most to you, then follow your heart until you reach them.

ARIES (March 21 - April 20):

Your ambitions will change radically over the next few weeks, so prepare yourself mentally now so you are ready to hit the ground running when opportunity comes your way. Ignore those who try to divert you towards less challenging aims.

TAURUS (April 21 - May 21):

Some of the things you have been doing of late have not been cost efficient and now you must be ruthless and cut back on your goals. If today’s new moon brings an opportunity to move in a new career direction then don’t hesitate, just go!

GEMINI (May 22 - June 21):

Your opinions are likely to change radically over the next few days and in some areas you may even end up believing the opposite of what you believe now. Try not to forget that there is always a higher reason for what happens in your life.

CANCER (June 22 - July 23):

No, life is not conspiring against you and what occurs today is not more evidence that you are on the downward side of the curve. Stop feeling sorry for yourself and look beyond everyday disappointments, because the long-term prognosis is exceedingly good.

LEO (July 24 - Aug. 23):

What occurs over the next 24 hours will be challenging but it will also inspire you to do more and do better. The fact is you are living way below your true potential, creatively and professionally, and now is the perfect time to raise your game.

VIRGO (Aug. 24 - Sept. 23):

If you spend too long worrying about the ethics of what you want to do you may never get around to actually doing it and that would be a shame because it is most likely your destiny. When the opportunity to move ahead arises, act fast!

LIBRA (Sept. 24 - Oct. 23):

A new moon in the most dynamic area of your chart means that something wonderful is about to happen in your life. It could be more wonderful still if you let friends and family members and workmates know what it is you most desire.

SCORPIO (Oct. 24 - Nov. 22):

You can learn a lot about people by just watching them and something you notice about a colleague will make you realize they are smarter and more ambitious than you thought. Maybe you should get together and make up a team.

SAGITTARIUS (Nov. 23 - Dec. 21):

The message of the stars today is that you don’t need to limit yourself to one location or one particular group of friends. The more you are on the move and trying new things the more opportunities, for love and success, you will discover.


CAPRICORN (Dec. 22 - Jan. 20):

What is it that you value most in life? Give that question some thought and when you come up with an answer – which must be honest – go all out to get more of it. The new moon means that almost any wish you make will be granted.

AQUARIUS (Jan. 21 - Feb. 19):

There have been times of late when you felt powerless in the face of forces you did not understand and could not control, but today’s new moon marks a turning point and it won’t be long before you are calling the shots. You’re on the way back!

PISCES (Feb. 20 - Mar. 20):

When others need assistance you will give it with no questions asked, but you would be wise to keep your wits about you because there may be some people who seek to take advantage of your charitable nature. Be generous but be sensible too.

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