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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: December 13

 

HOROSCOPES IF TODAY IS YOUR BIRTHDAY

Your way with words will open many doors over the coming year but just because they are open does not mean you have to walk through each and every one of them. Choose only those doors that let in the light.

ARIES (March 21 - April 20):

You are under no obligation to explain your actions or your motivations to other people. Some of your friends and relatives may think you are pushing your luck too far but you suspect, rightly, that you are nowhere near your limit yet.

TAURUS (April 21 - May 21):

The more you are told that certain things cannot be done the more determined you will be to prove the doubters wrong. Just be careful that in your desire to impress you don’t take on a task that is beyond even your miraculous powers.

GEMINI (May 22 - June 21):

If you let your emotions get the better of you today you may regret it around the time of the full moon on Sunday, so summon up all your powers of self-control and let the negative things others say and do sail over your head.

CANCER (June 22 - July 23):

You will be on the move a lot over the next few days but you need to be sensible about your plans. If you rush blindly in every direction not only will you not get very far but you may collide with an immovable object!

LEO (July 24 - Aug. 23):

You may be inclined to relieve your tension by going on a spending spree today but the planets warn if you do that you could run out of cash faster than you expected. Find less costly ways to feel good about yourself.

VIRGO (Aug. 24 - Sept. 23):

The bad news is you could find yourself reacting to one crisis after another over the next 24 hours. The good news is that each and every one of them will be minor in nature – so why not just ignore them?

LIBRA (Sept. 24 - Oct. 23):

It may appear as if someone has been taking advantage of you but the planets suggest you are most likely imagining things. Even if you have been cheated out of a dollar or two does it really matter? Not in the greater scheme of things.

SCORPIO (Oct. 24 - Nov. 22):

Even if you rush here, there and everywhere today and over the weekend it is unlikely you will get where you most want to be. The message of the stars is that you need to slow down and get your thoughts in some sort of order.

SAGITTARIUS (Nov. 23 - Dec. 21):

Be careful you don’t take on more work than you can comfortably handle. The best way to impress employers and other important people is to avoid extremes and to finish what you started without appearing to work up much of a sweat.

CAPRICORN (Dec. 22 - Jan. 20):

This could be and should be a lucky day for you but you also need to keep an eye on the approaching full moon. When making plans, both at home and at work, avoid wishful thinking and be ultra realistic about what is possible.

AQUARIUS (Jan. 21 - Feb. 19):

If you come across as a bit too eager today you could give rivals the impression that you are desperate to succeed, which will encourage them to place obstacles in your path. Act as if you don’t have a care in the world.

PISCES (Feb. 20 - Mar. 20):

A colleague or loved one seems to be battling one inner demon after another of late and your efforts to help them have not had the desired effect. Try backing off a bit and giving them the space to find their own answers.

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