RDSP.ca launches English platform for Disability Tax Credit and RDSP help

RDSP.ca has launched a national English-language advisory platform for Canadian families seeking help with Disability Tax Credit and Registered Disability Savings Plan eligibility. The Montreal-based service aims to make the rules, paperwork and grant opportunities easier to understand for families outside Quebec.

Why it matters: - Many eligible Canadians never open an RDSP, even though the plan can unlock federal matching grants and bonds for people living with disabilities. - RDSP.ca is betting that clearer English-language guidance will help more families move from eligibility to action. - The platform targets a gap the company sees as comprehension, not access.

What happened: - RDSP.ca launched a national English-language platform for families across Canada. - The advisory service focuses on Disability Tax Credit and Registered Disability Savings Plan support. - The service is delivered by advisors certified through the company's Montreal office. - The company previously operated in Quebec under its French-language brand and is now extending the same service in English.

The details: - The Government of Canada introduced the RDSP to help families build long-term financial security for people living with disabilities. - Federal figures show that only 34% of DTC-approved Canadians ages 0 to 49 held an RDSP in 2024. - That leaves federal matching money unclaimed year after year. - Canada Revenue Agency approval for the Disability Tax Credit is required before an RDSP can be opened. - Employment and Social Development Canada sets the Canada Disability Savings Grant at up to $3,500 per year and $70,000 over a lifetime. - Employment and Social Development Canada sets the Canada Disability Savings Bond at up to $1,000 per year and $20,000 over a lifetime. - The RDSP has a lifetime contribution room of $200,000 with no annual cap. - CRA form T2201 focuses on functional limitations rather than diagnoses. - Applications are often returned because of how a limitation was documented rather than because the applicant is ineligible. - Families seeking retroactive Disability Tax Credit claims may encounter firms that charge a portion of the refund. - RDSP.ca says opening an account with one of its RDSP specialists carries no additional fee compared with opening one through a bank. - The English-language platform covers eligibility screening, help with CRA form T2201, retroactive adjustments reaching back up to ten years, RDSP opening and ongoing management, and guidance on how the RDSP interacts with the Canada Disability Benefit. - The platform is supported by partnerships with MICA Capital Inc. - RDSP.ca says it has facilitated more than $50,000,000 in government grants and has more than 1,300 Google reviews at a five-star rating. - The Montreal office remains the operational base for advisors serving clients in both languages. - RDSP.ca is operated by Terry Capital Inc. from Montreal, Quebec. - The company says its specialty covers RDSPs, the Disability Tax Credit, and grants and bonds up to $90,000.

Between the lines: - The launch suggests demand for plain-language disability benefit guidance is not being fully met by banks or government websites alone. - The biggest barrier may be navigating the sequence of forms, eligibility rules and benefit interactions rather than opening an account itself. - The emphasis on English outside Quebec points to a national audience that may have had fewer tailored explanations available.

What's next: - RDSP.ca says expanding its plain-language English library is the next priority. - The company is positioning the new platform as an entry point for families trying to connect the Disability Tax Credit, the RDSP and the Canada Disability Benefit. - More families could use the service as awareness of disability savings benefits grows.

The bottom line: - RDSP.ca is using a national English platform to simplify a process that can determine whether Canadian families access decades of disability savings support.