Blog » Delays in the Payment of Grant or Bond?

Delays in the Payment of Grant or Bond?

We deal with many inquiries every day at the RDSP Resource Centre Help Desk. A significant number are about a delayed payment of the Canada Disability Savings Grant or Canada Disability Savings Bond.

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Off the top, the retroactive payment of Grants and Bonds (carry forward entitlements) will not be paid into people’s accounts until 2012.  The delay is a result of the work necessary to build tech systems and implement the changes.

Why are Payments Delayed?

There are several reasons for delayed payments, mainly to do with registering an RDSP.    To properly administer an RDSP, the Federal Government must be able to confirm the RDSP’s registration with information provided to the Canada Revenue Agency (CRA) for the Disability Tax Credit (DTC) and, if applicable, Canada Child Tax Benefit (CCTB) programs as well as from the RDSP application form.

In many cases, delays in confirming the registered status of an RDSP are caused because the information provided to the Canada Revenue Agency is incorrect or missing.

1. Social Insurance Number Errors

One cause of delayed payment is Social Insurance Number errors.  There may be a problem with either the beneficiary or holder Social Insurance Number.

2. Disability Tax Credit (DTC) Eligibility

Another cause of delayed payment is establishing that the beneficiary is not DTC eligible.  When the beneficiary is under 19, to determine DTC eligibility, the Canada Disability Savings Program must link the beneficiary’s DTC with the individual who actually claims the DTC on their income tax return.  When this happens the person is deemed not eligible for Grants, Bonds or to open an RDSP

3. Failure to File Taxes (and the Canada Child Tax Benefit for minors)

Remember it’s the parents or guardians if the beneficiary is a minor, and the beneficiary themselves if they are an adult, who must file their taxes.  And if the beneficiary is a minor, the parents/guardians must also file the Canada Child Tax Benefit.

Strictly speaking failure to file will not delay payment of matching Grants but it will result in a maximum 1 to 1 matching payment on the first $1000 in contributions.  For Bond amounts, however, no income data results in no Bond payment.  Once back taxes are filed, Grant and Bond payments will be automatically “readjudicated” (adjusted).

An Ounce of Prevention

There are a number of steps that account holders can take when opening RDSPs to ensure that delays in confirming a plan’s registration are minimal and to reduce the waiting period for receiving a Grant or Bond payment:

1.  Ensure that the DTC has been applied for. It is also important to ensure that the DTC is claimed, if at all possible, in the year in which the RDSP is opened.

2.  For a beneficiary who is an adult – if the DTC is claimed by someone other than the beneficiary, confirm with the CRA that the beneficiary’s tax file has been updated to show that they are qualified for the DTC.

3.  For a beneficiary who is a child – ensure that the Canada Child Tax Benefit (CCTB) is applied for and the primary caregiver who is named on the RDSP application form is the person who is receiving the CCTB payment at the time the RDSP is opened.

4.  When filling out the RDSP application form, ensure that the name, date of birth, and SIN provided for the beneficiary and holder(s) match the information that was provided to the Social Insurance Registry when the SIN was applied for or last updated.


If you are in a situation where the payment of the Grant and/or Bond seems to be delayed – more than five or six months has passed since DTC eligibility was established and the RDSP opened – we recommend following the following process:

1. Is Social Insurance Number information correct?

Ensure that the financial institution has reported the correct information by double-checking the Social Insurance Number on the forms that you completed (RDSP and Canada Disability Savings Program Applications).

If there seems to be no problem there, then contact the Social Insurance Registry to verify that the holder(s) and beneficiary’s name(s) and dates of birth are correct (names and dates of birth at the registry and on the RDSP forms must match up exactly).  The Social Insurance Registry can be reached at 1-800-206-7218 (choose option 3).

2. Confirming the Disability Tax Credit for an Adult

If the adult beneficiary has had their eligibility for the Disability Tax Credit confirmed, the most common issue is that the DTC of an adult was claimed by a person other than the beneficiary.

If this is the case, call the Canada Revenue Agency at 1-800-959-8281 (English) or 1-800-959-7383 (French) to ensure that the RDSP beneficiary is linked to their DTC eligibility.

3.  Confirming the Disability Tax Credit for a Child

If the beneficiary is a child, the most common issue is that the beneficiary’s file doesn’t show that they are qualified for the DTC.

If you have filed your taxes and applied for the Canada Child Tax Credit for all of the years in question, (remembering that for a contribution year the relevant tax year is two years prior), contact CRA at 1-800-959-8281 (English) or 1-800-959-7383 (French) and ask them to ensure that the beneficiary’s file shows that they are qualified for the DTC.

Information regarding the CCTB can be acquired at 1-800-387-1193 (English) or 1-800-387-1194 (French),

4. Further Assistance

These steps should ensure that the registration for most RDSPs can promptly be confirmed. If these steps have been taken and payments have still not been received, we’d recommend that you call the Canada Disability Savings Program information line at 1-866-204-0357.  Client Services officers are well versed in identifying exactly why a grant or bond payment has not been received and providing guidance in rectifying the situation.