A Registered Disability Savings Plan (RDSP) helps people with disabilities build long-term financial security, supercharged by generous government grants and bonds.
Generous federal matching for eligible families.
Long-term savings that compound protected.
Combined lifetime grants and bonds.
A registered savings plan for people approved for the Disability Tax Credit. Contributions grow tax-sheltered, and the government adds substantial grants and bonds on top — turning modest savings into significant long-term security.
The government can add money even if you contribute nothing yourself, making this one of the most powerful tools available to families.
$3500
Grant per year (up to $70,000 lifetime)
$1000
Bond per year for lower incomes (up to $20,000)
$90000
combined lifetime government support
Canadian residents under 60 who qualify for the Disability Tax Credit. I'll help you confirm eligibility, get set up correctly, and structure contributions to capture the maximum grants and bonds.
Why it's life-changing for families
For a family supporting a loved one with a disability, the RDSP is one of the most powerful tools that exists — turning modest contributions into decades of financial security.
— Priya Bhatia
No pressure, no jargon — just a clear path from your first question to being covered.
We talk through your situation, family, and what's on your mind — in person, by phone, or online.
I work out exactly what you need (and what you don't), so you never over-buy.
I shop multiple insurers and lay the choices out side by side in plain language.
I handle the paperwork with you and follow up with the insurer on your behalf.
Free annual reviews, and I'm here to guide you through any future claim.
We can meet in person, hop on a call, or connect virtually. Whatever feels easiest and most comfortable for you.
Book a free, no-pressure consultation. I’ll explain your options in plain language and help you choose with confidence.
