$200/month
The Canada Disability Benefit provides up to $200/month for eligible Canadians with disabilities
Long-term disability savings
RDSP decisions start with DTC status and time horizon.
Direct answer
First step: your child needs an approved Disability Tax Credit (DTC) before you can open an RDSP.
Government of Canada — Registered Disability Savings Plan · Verified 2026-08-10
Work through the RDSP decisions in order.
RDSP decisions start with DTC status and time horizon.
Confirm DTC eligibility
The beneficiary must be approved for the Disability Tax Credit and meet the other federal plan rules.
- Check identity and residency requirements
- Resolve DTC status first
Compare issuers
Ask financial institutions about fees, investment choices, accessibility, and administrative support.
- Get terms in writing
- Do not compare on grant headlines alone
Plan contributions
Government support can depend on income, age, contribution timing, and unused entitlements.
- Request an entitlement statement
- Avoid an assumed match calculation
Understand withdrawals
Withdrawals can trigger assistance-holdback and repayment rules.
- Model timing before withdrawing
- Coordinate with other benefits and advice
What parents need to know
| Support | Existing guide summary | Maximum | Source |
|---|---|---|---|
| Government grant | The Canada Disability Savings Grant adds to some contributions. The rate depends on family income and contribution tier, up to $3,500 a year a year. | $3,500 a year | Registered Disability Savings Plan |
| Bond | Low-income families may get up to $1,000 a year a year from the Canada Disability Savings Bond, even if they save $0. | $1,000 a year | Registered Disability Savings Plan |
| Lifetime maximum | Up to $90,000 in total government grants and bonds. | $90,000 | Registered Disability Savings Plan |
This guide does not project a beneficiary-specific government contribution.
Before you decide.
- Eligibility
- The beneficiary must be approved for the Disability Tax Credit and meet the other federal plan rules.
- Contributions
- Government support can depend on income, age, contribution timing, and unused entitlements.
- Withdrawals
- Withdrawals can trigger assistance-holdback and repayment rules.
Evidence for this guide
- Registered Disability Savings Plan. Government of Canada
Rates verified January 20, 2026 — canada.ca/rdsp. Programs update their own amounts; the source pages above are always current. · Verified 2026-08-10
Sources on this page
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Key claims are paired with their source, evidence tier, and verification date so readers can inspect the public record directly.
Facts3
Sources3
91,974
children are registered in the Ontario Autism Program
1 in 50
According to the 2019 Canadian Health Survey on Children and Youth, about 1 in 50 children and youth aged 1 to 17 in Canada had an autism diagnosis
Last system verification: 2026-08-10. Next scheduled update: 2026-11-05.
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