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Two-Thirds of RDSP Money Goes Unclaimed: How Ottawa's $70,000 Disability Benefit Actually Works

  Published August 19, 2026 Of the 311,000 active Registered Disability Savings Plans opened since the program launched in 2008, Canadians have contributed $3.3 billion — and Ottawa has matched that with $5.1 billion in grants and $2.1 billion in bonds, according to figures reported by BNN Bloomberg on Wednesday. That sounds like a program working as intended. It isn't. The same report cites the latest Statistics Canada tally showing that two-thirds of the government money set aside for the RDSP goes unclaimed every year, largely because eligible Canadians don't know the plan exists. If you or someone in your family is approved for the Disability Tax Credit, this is one of the highest-value accounts the federal government offers — richer, dollar for dollar, than the RRSP, the TFSA, or the RESP. Here's how the math actually works, and what it takes to claim your share. Who qualifies Anyone approved for the Disability Tax Credit (DTC) — via CRA Form T2201, certified by a medi...

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Your daily horoscope: August 8, 2023



Your daily horoscope: August 8, 2023


HOROSCOPES IF TODAY IS YOUR BIRTHDAY

Be ambitious, assertive and maybe even a bit aggressive if the situation calls for it. Worry less about what other people think of your actions and more about what effects those actions will have on your career. Make professional success your guiding star.


ARIES (March 21 - April 20):

It will pay you to look at life from a wider and more inclusive perspective today. If you only choose to see what you want to see you could miss out on something that has the potential not just to change but to transform your existence.


TAURUS (April 21 - May 21):

Don’t wait for other people to give you permission to act. Seize the initiative and make sure everyone knows you are a force to be reckoned with. Mars in the most dynamic area of your chart will give both your energy and your ambition a boost.


GEMINI (May 22 - June 21):

You may not be at your most open and outgoing today but that’s no bad thing. You have given so much of yourself of late that your stock of physical, mental and emotional energy may be severely depleted. Give yourself a day off from your struggles.


CANCER (June 22 - July 23):

Social events, team efforts and group activities are under excellent stars now, so don’t sit at home in front of a screen, get out into the world and show your face – and show friends and loved ones you still know what fun is.


LEO (July 24 - Aug. 23):

Your career plans may be important to you but don’t forget to take loved ones along for the ride in whatever new direction you are planning to go. Their support will be essential if you are going to make a success of your new venture.


VIRGO (Aug. 24 - Sept. 23):

Do something exciting and adventurous today, something you have dreamed of doing many times in the past but never quite had the courage to start. Mars in your sign endows you with huge self-belief, so it’s very much now or never.


LIBRA (Sept. 24 - Oct. 23):

Avoid wishful thinking at all costs today. It might be fun daydreaming about things that are never going to happen but if you have plans to move up in the world then you need to keep your feet on the ground. Reality is more important than fantasy.


SCORPIO (Oct. 24 - Nov. 22):

The people you interact with today will have plenty to say for themselves, but if you are smart you will take none of it seriously. They are entitled to their opinions, of course, but that does not mean their opinions are relevant to you.


SAGITTARIUS (Nov. 23 - Dec. 21):

There is a task that needs to be done and no matter how many times you have put it off in the past you must get on with it now. People in positions of authority are watching you closely, so make sure they get the best possible impression.


CAPRICORN (Dec. 22 - Jan. 20):

Mars in the most adventurous area of your chart will inspire you to get out and about and make things happen. Don’t worry if friends and loved ones cannot keep up with you, just blaze a new trail and let them follow if and when they can.


AQUARIUS (Jan. 21 - Feb. 19):

Do what you can to help a friend or family member who is struggling with issues that seem trivial to you. Even if you think they are being ridiculously over-emotional you must at least pretend to show sympathy, because that’s what they need.


PISCES (Feb. 20 - Mar. 20):

Your attitude toward an issue that has been important to you in the past will change radically over the next 24 hours. Suddenly you can see that it’s not such a disaster after all. Some people have clearly been making a fuss about it for their own benefit.

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