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Federal (Canada)Disability
Registered Disability Savings Plan
A savings plan for people approved for the Disability Tax Credit. The government adds grants and, for low incomes, bonds â free money even if you cannot contribute yourself.
Estimated value
Grants up to $3,500/year and bonds up to $1,000/year from the government
Apply for this first â it unlocks other benefits: Disability Tax Credit
How to apply
- 1
Open an RDSP at a bank or credit union
Contact a financial institution that offers RDSPs. You need an approved DTC and a Social Insurance Number.
Go to application â - 2
Apply for the grant and bond
Your financial institution helps you apply. The bond does not require you to contribute; the grant matches your contributions.
Documents you will need
- Approved Disability Tax Credit
- Social Insurance Number
Processing time
Set up in one visit
How often it is paid
Grants and bonds paid into the plan
Often applied for together
Last verified: August 31, 2026