Questions and answers about Line 20800 – RRSP deduction

My deduction limit is zero. Can I use my spouse's limit to contribute to my own or a spousal RRSP? Can I still claim the deduction?

The company I work for contributes to an RRSP for me. I get the receipt at the end of the year. Can I deduct it? How do I do that?

My mother will be turning 71 next week and she has not deducted all of her RRSP contributions. Can she deduct what she has already contributed? Dad is 75, so he can't use it.

My deduction limit is zero. Can I use my spouse's limit to contribute to my own or a spousal RRSP? Can I still claim the deduction?

No. RRSP deduction limits are not transferable, so you cannot make any contribution or claim any deduction based on your spouse's RRSP deduction limit.

The company I work for contributes to an RRSP for me. I get the receipt at the end of the year. Can I deduct it? How do I do that?

If you have received any contribution receipts, you may claim these as a deduction at line 20800 of your income tax and benefit return up to your RRSP deduction limit.

My mother will be turning 71 next week and she has not deducted all of her RRSP contributions. Can she deduct what she has already contributed? Dad is 75, so he can't use it.

As long as your mother's RRSP deduction limit is equal to or greater than the undeducted contributions, she can deduct unclaimed contributions on her income tax and benefit return.

If she wants to deduct the unclaimed contributions on a return for a previous year based on the allowable deduction limit for the applicable year(s), she can request an adjustment through My Account for Individuals. She can also write to request changes or call 1-800-959-8281.