Canada Disability Savings Bond - up to $1,000 a year

Employment and Social Development Canada

Up to $1,000 a year into a Registered Disability Savings Plan, to a lifetime maximum of $20,000, with no contribution of your own required. Separate from the Canada Disability Savings Grant, which does match contributions.

The catch: Two gates in front of it: you need Disability Tax Credit approval, and then an RDSP. Payments stop at the end of the year the beneficiary turns 49, and the money is locked in the plan rather than spendable now.

Do these first

Open a Registered Disability Savings Plan required The bond is paid into a registered disability savings plan.
The account the Canada Disability Savings Bond is paid into. Opening it costs nothing.
Get approved for the Disability Tax Credit required RDSP eligibility runs through DTC-eligible status.

Who can get it

  • The beneficiary must be DTC-eligible, and the bond is paid into a Registered Disability Savings Plan. must meet
  • Bonds are payable to the end of the year the beneficiary turns 49. must meet
  • Full bond below an annual family net income threshold, pro-rated above it. The threshold is indexed annually and is assessed on income from two years prior. NOT PUBLISHED - no figure here has been verified against ESDC's indexation notice. must meet

What to bring

  • Disability Tax Credit approval

At a glance

Worth
$1,000
Effort
About 60 minutes
Time to money
Not recorded
How it arrives
Restricted account
How often
Standing
Proof needed
Income documents
Where
Canada
Last checked
4 August 2026