Registered Disability Savings Plan (RDSP): who qualifies, grants, bonds and withdrawals

• It is a Registered Disability Savings Plan. A bank or other approved provider holds it.
• The money is for the person with the disability, called the beneficiary.
• The government can add a grant and a bond if the rules are met.

Source: ESDC, InfoCapsule 1. Checked November 9, 2026.

• The person must live in Canada.
• The person must have a valid Social Insurance Number.
• The person must be approved for the Disability Tax Credit.
• The plan can be opened until December 31 of the year the person turns 59.

Source: ESDC, InfoCapsule 1. The page did not say who may be the plan holder for a child or for an adult who cannot sign. Ask the provider. Checked November 9, 2026.

• The grant matches what you put in. The match is 300%, 200% or 100%, depending on the family income of the person and how much is put in.
• If the family income is $117,045 or less (the 2026 limit): $3 for each of the first $500 you put in, then $2 for each of the next $1,000. You need to put in $1,500 to get the full $3,500.
• If the family income is above $117,045: $1 for each of the first $1,000 you put in. The most you can get is $1,000.
• The most you can get is $3,500 a year and $70,000 in your lifetime.
• Money you put in above the amount that earns the match gets no grant. It also cannot be taken out without paying back some grant or bond.
• Grants are paid until December 31 of the year the person turns 49.
• If you missed years, you can carry forward up to 10 years of unused grant, if you claim it before the year the person turns 49.

Sources: ESDC, How much you could get in grants and bonds (July 10, 2026), and the CRA grant and bond page. The CRA page labels its income limits as 2025, so we use the newer 2026 limits from ESDC. Checked November 9, 2026.

• The bond is for people with a low family income. You do not have to put in any money to get it.
• The most is $1,000 a year and $20,000 in your lifetime.
• At a family income of $38,237 or less (the 2026 limit), you can get the full $1,000.
• Between $38,237 and $58,523, you get a smaller amount that drops as income rises.
• At $58,523 or more, there is no bond.
• Bonds are paid until December 31 of the year the person turns 49.

Source: ESDC, How much you could get in grants and bonds (July 10, 2026). Checked November 9, 2026.

• For a person 18 or younger, the grant and bond use the parents' or guardians' combined income.
• For a person 19 or older, they use the person's own income, plus a spouse's income if there is one.
• The 2026 amounts use the family income from the 2024 tax return, which is two years earlier.
• The person must file tax returns. ESDC says to start filing in the year they turn 17, and adults need at least the two previous years filed.

Source: ESDC, How much you could get in grants and bonds (July 10, 2026). Checked November 9, 2026.

Source: ESDC, How much you could get in grants and bonds (July 10, 2026). These are the government's own examples. Checked November 9, 2026.

• You can get grant and bond you missed in the past 10 years of Disability Tax Credit approval.
• For the grant, you must put money in. Each dollar can earn the match for an earlier year, up to 10 years back.
• While catching up, the most grant in one year is $10,500. After you catch up, it is $3,500 a year.
• For the bond, you do not need to put in money. When you open a plan you can get up to $11,000 of bond for the past 10 years and this year, if your income qualified in those years.
• The government mails a Statement of Entitlement each February. It shows the grant you can get and the amount to put in.

Source: ESDC, How much you could get in grants and bonds (July 10, 2026). Checked November 9, 2026.

• Grants on eligible contributions are usually deposited within 6 to 8 weeks.
• Money you move in from another retirement or education savings plan does not get a grant.

Source: ESDC, How much you could get in grants and bonds (July 10, 2026). Checked November 9, 2026.

• The lifetime limit for contributions is $200,000.
• Contributions can be made until December 31 of the year the person turns 59.

Source: ESDC, InfoCapsule 1. The page did not say whether grants and bonds count toward the limit or who else may contribute, so confirm with your provider. Checked November 9, 2026.

• A Disability Assistance Payment (DAP) is a withdrawal you ask for. It can be made at any time.
• A Lifetime Disability Assistance Payment (LDAP) is a regular payment. It must start by December 31 of the year the person turns 60. Once it starts, it is paid at least once a year.
• Everything you take out is taxable except the money you put in yourself.
• The 10-year rule: if grants or bonds were paid in the last 10 years, a withdrawal can mean paying some back. For each $1 you take out, up to $3 of those grants and bonds can be repaid.
• If the plan is closed, or the person dies, the full amount of grants and bonds paid in the last 10 years is repaid.

Sources: ESDC, InfoCapsule 12, and the CRA grant and bond page. Checked November 9, 2026.