RDSP

The Registered Disability Savings Plan (RDSP) is a long-term savings plan to help people with disabilities and their families. The plan beneficiary is the person with a severe and prolonged disability who will receive the money in the future.

Get approved for the Disability Tax Credit

Open a plan and apply for grants and bonds

Make optional contributions and let savings grow

Get payments from the plan

When you open a plan, you may also get grants and bonds from the Government of Canada to help with your long-term savings.

Opening a plan will not impact most other benefits

Having a plan does not affect your eligibility for federal benefits.

In most provinces and territories, opening and contributing to a plan will not affect your other benefits, such as monthly disability income support payments or monthly pension payments. In some provinces, making withdrawals from a plan may impact the amount of provincial benefits you receive.

Contact us about RDSPs, grants, and bonds

If you have questions about the RDSP or Canada Disability Savings Grant or Bond, please contact us.

Publications and issuer resources

Information is available to help issuers of Registered Disability Savings Plans and Canada Disability Savings Grants and Bonds to fulfill their roles and responsibilities.

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