Federal, Provincial and Territorial Benefits

The Government of Canada and provincial and territorial governments work collaboratively to build a strong, inclusive society and to secure a high quality of life for all Canadians with disabilities.

Money paid out of a Registered Disability Savings Plan (RDSP) does not affect your eligibility for federal benefits such as the Canada Child Tax Benefit, the Goods and Services Tax credit, Old Age Security, or Employment Insurance.

All provinces and territories fully or partially exempt Registered Disability Savings Plan (RDSP) assets and income. Contact your provincial or territorial government to make sure you get the most up-to-date details.

• Alberta

  The Alberta government fully exempts the income and assets of an RDSP when determining eligibility for provincial financial assistance programs. For more information, contact the Government of Alberta.

• British Columbia

  The British Columbia government fully exempts RDSPs when calculating an individual's eligibility for provincial disability assistance. For more information, contact the Government of British Columbia.

• Manitoba

  The Manitoba government fully exempts RDSP income when determining eligibility for social assistance. For more information, contact the Government of Manitoba.

• New Brunswick

  The New Brunswick government fully exempts RDSP assets when calculating a client's eligibility for programs such as social assistance and social housing benefits. For more information, contact the Government of New Brunswick.

• Newfoundland and Labrador

  The Newfoundland and Labrador government fully exempts RDSP income from the calculation of Income Support benefits. For more information, contact the Government of Newfoundland and Labrador.

• Northwest Territories

  The Northwest Territories government fully exempts both RDSP assets and RDSP withdrawals in determining eligibility for income security programs administered by the Department of Education, Culture and Employment. For more information, contact the Government of the Northwest Territories.

• Nova Scotia

  The Nova Scotia government fully exempts RDSP contributions when calculating clients' eligibility for income assistance. Clients are also able to withdraw funds from their RDSPs without affecting their income assistance payments. For more information, contact the Government of Nova Scotia.

• Nunavut

  The Nunavut government fully exempts savings held within an RDSP, and money withdrawn from the plan will not be treated as income for the purpose of establishing eligibility for social assistance. For more information, contact the Government of Nunavut.

• Ontario

  The Ontario government fully exempts RDSP assets and money withdrawn from the plan when determining eligibility for social assistance. For more information, contact the Government of Ontario.

• Prince Edward Island

  The Prince Edward Island government exempts RDSP assets when calculating eligibility for social programs such as social assistance, disability support services, child care subsidies, social housing, pharmacy programs and children's dental programs. Any withdrawal from an RDSP will be exempt as long as total income is not greater than the low-income level defined by the National Council of Welfare. For more information, contact the Government of Prince Edward Island.

• Quebec

  The Quebec government exempts RDSP assets from social assistance calculations. Withdrawals from an RDSP will be exempt up to a maximum amount as defined by the Ministère de l'Emploi et de la Solidarité sociale. For more information, contact the Government of Quebec.

• Saskatchewan

  The Saskatchewan government fully exempts RDSP assets and income from social assistance calculations. For more information, contact the Government of Saskatchewan.

• Yukon

  The Yukon government fully exempts RDSP assets when determining benefit levels. For more information, contact the Government of Yukon.