The Registered Disability Savings Plan: Maximizing the Ripples

Provincial and federal policy should be harmonized in order to maximize the benefits of the Registered Disability Savings Plan for Canadian citizens


The RDSP is a registered savings fund for people with disabilities to which family members can contribute to ensure a decent quality of life as disabled family members age. More than that, however, it allows low-income people with disabilities to take out bonds in order to secure supplemental income later in life. The government matches the investments made towards the RDSP, much like the Registered Education Savings Plan. This project resulted in policy adjustments that saw every province and territory exempt RDSP savings from being considered an Asset, thereby ensuring that saving for the future would not disrupt people’s ability to access disability benefits. Further, PLAN created an RDSP blog and website to inform the general public about the RDSP.

Grant Outputs

PLAN – Registered Disability Savings Plan –

The PLAN RSDP webpage provides a directory of RDSP related information, including; a link to the RDSP blog which provides up-to-date information about the RDSP, a tutorial on how the RDSP works, a step-by-step guide to registering for the RDSP, and an RDSP calculator to help people figure out how to make the Plan work for them.

Registered Disability Savings Plan Blog –

This blog provides up-to-date information about policy changes and reforms related to the RDSP. It also documents PLAN’s advocacy work pertaining to the RDSP with the federal and provincial governments.

Grant Details

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