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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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Top 6 Winter Health Hazards and How To Beat Them

 


Winter is a beautiful season, but it also comes with some health risks that you should be aware of. Here are the top 6 winter health hazards and how to beat them:

1. Cold and flu: The most common winter illnesses are cold and flu, which are caused by viruses that spread through respiratory droplets. To prevent getting sick, wash your hands frequently, avoid touching your face, get a flu shot, and stay home if you have symptoms. To treat a cold or flu, drink plenty of fluids, rest, and take over-the-counter medications as needed.

2. Frostbite: Frostbite is a condition where the skin and underlying tissues freeze due to exposure to extreme cold. It usually affects the fingers, toes, nose, ears, and cheeks. To prevent frostbite, dress warmly in layers, cover your exposed skin, and limit your time outdoors in cold weather. To treat frostbite, seek medical attention as soon as possible, warm the affected area gradually with warm water or body heat, and avoid rubbing or breaking the skin.

3. Hypothermia: Hypothermia is a condition where the body temperature drops below 95°F (35°C) due to exposure to cold. It can cause shivering, confusion, drowsiness, and even death. To prevent hypothermia, dress warmly in layers, stay dry, and avoid alcohol and caffeine. To treat hypothermia, seek medical attention as soon as possible, move to a warm place, remove wet clothing, and wrap the person in blankets or warm clothes.

4. Dry skin: Dry skin is a common problem in winter due to low humidity and harsh winds. It can cause itching, cracking, and bleeding. To prevent dry skin, moisturize your skin daily, use gentle cleansers, and avoid hot showers and baths. To treat dry skin, apply a thick moisturizer or petroleum jelly to the affected areas, and use a humidifier or vaporizer to add moisture to the air.

5. Seasonal affective disorder (SAD): SAD is a type of depression that occurs during the winter months due to reduced sunlight and shorter days. It can cause mood swings, low energy, appetite changes, and difficulty sleeping. To prevent SAD, get enough sunlight during the day, exercise regularly, and maintain a healthy diet. To treat SAD, consult your doctor about medication or light therapy options.

6. Carbon monoxide poisoning: Carbon monoxide is a colorless, odorless gas that can be produced by faulty furnaces, fireplaces, generators, or car engines. It can cause headaches, nausea, dizziness, and even death. To prevent carbon monoxide poisoning, install carbon monoxide detectors in your home, check your heating system regularly, and never run your car in an enclosed space. To treat carbon monoxide poisoning, seek medical attention as soon as possible, move to a fresh air source, and administer oxygen if available.

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