Transitions for Children in Care

In 2009, the Public Guardian and Trustee of British Columbia approached Planned Lifetime Advocacy Network (PLAN) with an issue that was emerging as a result of opening Registered Disability Savings Plans... Read More

Make the RDSP creditor proof

Since the RDSP was launched many people have raised the question of making it creditor proof.  Many beneficiaries and holders have had little experience managing funds and thus lower levels of... Read More

Peterborough Poverty Reduction Network – RDSP Review

The Peterborough Poverty Reduction Network, Income Security Work Group, held community consultations with people with disabilities, families, service providing agencies, financial and legal service providers and health care professionals which recommendations... Read More

Roll the Beneficiary’s RRSP into an RDSP

People who have become disabled later in life have often worked and accumulated assets in Registered Retirement Savings Plans.  If they are eligible to open a Registered Disability Savings Plan, rolling... Read More

Update for US Citizens in Canada

The US Internal Revenue Service (IRS) recently posted a fact sheet “Information for US Citizens of Dual Citizens Residing Outside the US” to provide clarification of its rules. US Citizens and... Read More

Financial Security affects life expectancy

Increasingly we are becoming aware of the “costs” associated with poverty: people who live in poverty are more likely to end up in jail, result in greater health costs, are more... Read More

Loss of Eligibility for the Disability Tax Credit

Many people are concerned with the implications of losing their disability tax credit eligibility, either for a short period or for the rest of their lives.  People with mental health issues... Read More

Promoting Home Ownership

Many people with disabilities, supported by their families, would like to be able to own their own home. Owning one’s own home has numerous advantages (See www.plan.ca and Safe and Secure, by Al... Read More

Emergency Withdrawals from an RDSP

Enable up to three emergency withdrawals of up to $5,000 of private contributions in a beneficiary’s lifetime. Withdrawing any amount from an RDSP triggers the repayment of the holdback amount until... Read More

Compress the timelines in the design of the RDSP

Currently, the RDSP has several milestones built into its design: Beneficiaries, whether a holder or not, can request funds from their RDSP at age 27 (provided the federal government contributions are... Read More