InfoCapsule 10: Canada Disability Savings Grant (CDSG)

From: Employment and Social Development Canada

Disclaimer: RDSP issuers

The information contained on this page is technical in nature and is intended for Registered Disability Savings Plan (RDSP), Canada Disability Savings Grant (CDSG) and Canada Disability Savings Bond (CDSB) issuers. For general information, visit the RDSP section.

Consult this page frequently for newer versions. The following laws and regulations take precedence over information contained in InfoCapsules in the event of discrepancies:

  • Income Tax Act
  • Canada Disability Savings Act
  • Canada Disability Savings Regulations

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Preface

The CDSG is a matching grant paid into a Registered Disability Savings Plan (RDSP) by the Government of Canada. Depending on the beneficiary’s family income, the CDSG is paid based on the amount contributed to the plan.

Eligibility criteria

For the CDSG to be paid, the beneficiary must:

  • be a resident in Canada
  • be eligible for the Disability Tax Credit (DTC)
  • have a valid Social Insurance Number (SIN)

Contributions must be made by December 31 of the calendar year in which the beneficiary turns 49 years of age.

Which income is used to determine CDSG entitlements

  • Until the end of the calendar year the beneficiary turns 18 years of age:
    • The individual primary caregiver’s (PCG) family income
  • Starting the calendar year the beneficiary turns 19 years of age:
    • The beneficiary’s family income

Note: Beneficiaries should file their income taxes as of age 17.

For a beneficiary in care, the public PCG must receive a payment under the Children’s Special Allowances Act (for at least one month of the calendar year).

CDSG matching rates

2020 family income threshold Matching rates Annual limit Annual limit with carry forward Lifetime limit
Less than or equal to $97,069Footnote 1 or public PCG 300% on the first $500 or less and 200% on the next $1,000 or less $1,500 and $2,000 $10,500 $70,000
Greater than $97,069Footnote 1 or no income information available at the Canada Revenue Agency (CRA) 100% on the first $1,000 or less $1,000 $10,500 $70,000
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