Government Disability Programs and Initiatives

Maximize your RDSP

This is a supplement that the Government of Canada contributes to an RDSP. The size of the CDSG is based on family income and contribution amount. The maximum grant is $3,500 each year, with a total lifetime CDSG maximum of $70,000. Grants are paid into the RDSP until December 31st of the year the beneficiary turns 49 years of age.

The Canada Disability Savings Grant (CDSG) is a limited matching grant paid into a Registered Disability Savings Plan (RDSP) by the Government of Canada.

Depending on the beneficiary's family net income and contribution level, the Government may contribute funds equivalent to 300%, 200% or 100% of contributions made into an RDSP in a year.

An RDSP may receive up to a maximum of $3,500 annually in Grants.

The maximum lifetime Grant that may be paid on behalf of a beneficiary shall not exceed $70,000.

The CDSG may be paid on contributions made into an RDSP up until December 31st of the year in which the beneficiary turns 49 years of age.

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The Government of Canada may contribute up to $1,000 each year, depending on the beneficiary's family income. The lifetime CDSB limit is $20,000 and can be paid into an RDSP until the year in which the beneficiary turns 49 years old.

The Canada Disability Savings Bond (CDSB) is designed to assist low-income families to save for the long-term financial security of an eligible person with a disability.

There are no RDSP contribution requirements in order to receive the Bond.

You may apply for the CDSB by contacting the Wealth Management Contact Centre at 1-877-929-4499. If you qualify for a bond payment, it will be deposited annually by January 31st. Any CDSB received by Scotiabank will be paid into the "cash portion" of the Scotia RDSP Investment Account.

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