Eligibility and contributions

Who can become a beneficiary of an RDSP

You can designate an individual as beneficiary if the individual meets all of the following criteria:

A beneficiary can only have one RDSP at any given time, although this RDSP can have several plan holders throughout its existence, and it can have more than one plan holder at any given time.


A person is eligible for the DTC only if a medical practitioner (which includes a nurse practitioner) certifies on Form T2201, Disability Tax Credit Certificate, that the individual has a severe and prolonged impairment in physical or mental functions. This form must also be approved by the CRA and the person must be deemed to be eligible for the DTC. To get Form T2201, go to Disability tax credit or call 1-800-959-8281.

The holder does not have to be a resident of Canada. However, the beneficiary must be a resident of Canada when the plan is opened and when each contribution is made to the plan. RDSP payments can only be made to the beneficiary (or to the beneficiarys estate after the beneficiary’s death). Contributors will not be entitled to a refund of their contributions.

For more information go to Persons with disabilities or see Guide RC4064, Disability - Related Information.

Who can contribute to an RDSP

Anyone can contribute to an RDSP with the written permission of the plan holder. For more information, see Who can open an RDSP?

Forms and publications

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