Registered Disability Savings Plan provider user guide
Disclaimer: RDSP issuers
The information contained on this page is technical in nature. The target audience are issuers of the:
- Registered Disability Savings Plan (RDSP)
- Canada Disability Savings Grant (CDSG)
- Canada Disability Savings Bond (CDSB)
For general information, visit the RDSP page.
On this page
Alternate formats
List of acronyms
- ESDC
- Employment and Social Development Canada
- CDSB
- Canada Disability Savings Bond
- CDSG
- Canada Disability Savings Grant
- RDSP
- Registered Disability Savings Plan
Versions
Version: 1.1
Latest update: October 3, 2025
Previous update: May 27, 2025
Description: Please note that minor updates have been made to Chapter 9, in section 9.3, to improve clarity and accuracy.
- Removed date reference ("starting from 2014") for clarity and timelessness.
- Corrected income figures and thresholds in grant calculation examples for 2023.
- Fixed a typographical error by updating the year from 2011 to 2021.
- Updated the number of years under the income threshold from 8 to 9 years to reflect the correct eligibility period.
Version: 1.0
Latest update: May 27, 2025
Previous update: June 20, 2023
Description: There have been changes to the program. These changes relate to the incentives delivered by Employment and Social Development Canada (ESDC). They also include amendments to the Income Tax Act, as announced in Budget Implementation Act, 2023, No. 1, which affect the Registered Disability Savings Plan (RDSP). In addition, gender-neutral language is now being used throughout the program.
What is the RDSP provider user guide
The RDSP provider user guide has been developed to support RDSP issuer's knowledge and understanding of the guiding principles, systems and processes associated with the:
- RDSP
- Canada Disability Savings Grant (CDSG)
- Canada Disability Savings Bond (CDSB)
In this guide
- Chapter 1. RDSP Grant and Bond
- Chapter 2. RDSP Key concepts
- Chapter 3. RDSP Registered Disability Savings Plan
- Chapter 4. RDSP Payments
- Chapter 5. RDSP Specified Disability Savings Plan
- Chapter 6. RDSP Transfers
- Chapter 7. RDSP Rollovers
- Chapter 8. Closing an RDSP
- Chapter 9. RDSP Canada Disability Savings Grant
- Chapter 10. RDSP Canada Disability Savings Bond
- Chapter 11. RDSP Grant and bond application process
- Chapter 12. RDSP Grant and bond revocation request
- Chapter 13. RDSP Receiving and depositing grant and bond
- Chapter 14. Repaying the RDSP grant and bond
- Chapter 15. RDSP Canada Disability Savings Program System
- Chapter 16. RDSP list of definitions
- Annex A. Understanding RDSP error codes
- Annex B. Understanding RDSP refusal reasons