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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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Early indicators of dementia: 5 behaviour changes to look for after age 50

 



Dementia is a condition that affects cognitive and behavioral abilities. It is often associated with memory loss, but it can also manifest as changes in behavior. 

There are five primary behaviors that may indicate a risk of dementia in people over age 50:

  1. Apathy: A decline in interest, motivation, and drive.
  2. Affective dysregulation: Mood or anxiety symptoms.
  3. Impulse dyscontrol: Lack of impulse control.
  4. Social inappropriateness: Socially inappropriate behavior.
  5. Abnormal perception or thought content: Abnormal thoughts or perceptions.

It’s important to note that these behaviors may also be indicative of other conditions, so it’s best to consult a medical professional if you or someone you know is experiencing any of these symptoms.


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