Registered Disability Savings Plan


The Registered Disability Savings Plan is an innovative and useful tool that helps people with disabilities save for the future. In partnership with the RDSP Action Coalition of Ontario, Community Living Ontario is advocating for improvements that will increase access to the program and ensure the safety and security of beneficiaries with intellectual disabilities. 

The Unfulfilled Promise of Registered Disability Savings Plans

Eighteen years after its introduction, the Registered Disability Savings Plan is benefiting many thousands of people. Unfortunately, it also excludes some people with disabilities while making life more precarious for others.

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Red Tape, Human Rights, and Registered Disability Savings Plans in Ontario: Part 2

As part of our advocacy to improve Registered Disability Savings Plans, Community Living Ontario has released a document that shares the stories of four families facing unnecessary RDSP-related barriers. These families are increasingly frustrated by problems with RDSPs that threaten the financial health of people with intellectual disabilities and increase their risk of coming under guardianship of the Public Guardian and Trustee.

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Red Tape, Human Rights, and Registered Disability Savings Plans in Ontario: Part 1

Many people with intellectual disabilities in Ontario are beneficiaries of RDSP, where a family member is the RDSP ‘plan holder’ – in other words, they are responsible for managing the RDSP with the beneficiary. We are now seeing situations where plan holders have died or become unable to manage the RDSP – leaving beneficiaries without a plan holder. This raises serious risks for people, including the risk of falling into guardianship. In this policy brief, CLO presents a straightforward solution to this problem – a solution that protects people’s financial health while respecting their rights. Read the full brief at the link below.

Download in English