What It Is The Registered Disability Savings Plan (RDSP) is a federal savings plan, introduced in 2008, that allows families to save for a child with a disability while receiving government contributions from the federal government. It works in a similar way to a RESP: money is contributed into the plan, investments grow tax deferred inside it, and the government adds grants and bonds on top of the contributions. The lifetime contribution limit is $200,000 with no annual cap.

There are several federal and provincial programs in Canada that provide income, health benefits, tax relief, and long-term savings for people with disabilities. These programs are spread across different levels of government, each with its own eligibility rules, application process, and timeline. This section brings them together in one place and walks through them in a sequence that reflects how they connect to one another. These programs interact and are inter-related. Som