CDSGs and CDSBs – Assistance from the Government of Canada  

Canada Disability Savings Grant (CDSG)

Contributions to an RDSP may qualify for a Canada Disability Savings Grant (CDSG) of up to $3,500 per year.

CDSGs are greater for families in lower- and middle-income categories. When annual family net income is less than $87,123 the grant will be:

  • $3 for every $1 contributed on the first $500
  • $2 for every $1 contributed on the next $1,000

When annual family net income is over $87,123 the grant will be:

  • $1 for every $1 contributed up to $1,000

The CDSG has a lifetime maximum limit of $70,000 per beneficiary and the grant is no longer available after December 31 of the year the beneficiary turns 49.

Canada Disability Savings Bond (CDSB)

Lower-income families may be eligible for a Canada Disability Savings Bond (CDSB). When annual family net income is $25,356 or less, the bond will be $1,000 per year without the necessity of any contribution. When annual family net income exceeds $25,356 but is less than $43,561, the bond will be pro-rated to receive a portion of $1,000 per year and will be based on a pre-determined formula. The CDSB has a lifetime maximum limit of $20,000 per Beneficiary and the bond is no longer available after December 31 of the year the Beneficiary turns 49.

Income amounts shown are for 2013.

Annual family net income levels will be indexed annually by the Canada Revenue Agency.