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Registered Disability Savings Plan


With the Registered Disability Savings Plan (RDSP), eligible Canadians can receive up to $90,000 in government assistance. The RDSP provides a long-term, tax-sheltered savings option for Canadians with disabilities, and is the only savings option that gives you access to:

Supporting Members through the RDSP Application Process

Completing the RDSP and Disability Tax Credit applications can be challenging. So we partnered with Ability Tax and Trust Advisors, providers of the Equal Futures RDSP program. Equal Futures is a social purpose initiative that provides an easy, efficient, and free service for eligible individuals to learn about, qualify for, and open an RDSP. Contact them at 1-855-773-7377 to help you with:

  • Eligibility assessment for the RDSP;
  • RDSP Qualification Filings;
  • Tax credit and benefits review; or
  • RDSP account opening support.

If you don’t currently have your Disability Tax Credit, you can get started by answering questions on the online assessment.

If you already have your Disability Tax Credit Certificate and want to set up your RDSP, talk to one of our Investment Professionals.

Further advantages of the RDSP

  • Earnings can accumulate tax-deferred until money is withdrawn
  • No annual contribution limit (lifetime limit is $200,000)
  • No impact on other government tax and disability benefits for B.C. beneficiaries
  • Contributions can be made by the beneficiary or on their behalf
  • Parents and grandparents can transfer RRSP/ RRIF savings when they pass away
  • Eligible recipients can claim Grant and Bond money for past years going back to 2008

  • Download our RDSP information brochure, review the B.C. Government RDSP guide, or see additional RDSP information.

    Talk to us

    Ask us about RDSPs and the available government assistance.

    By phone

    Metro Vancouver: 604.877.7000

    Greater Victoria: 250.519.7000

    North America: 1.888.826.2489

    In person

    Visit a Vancity community branch near you.

    Find a branch