DTC vs RDSP: How the Disability Tax Credit Can Unlock RDSP Access
The Disability Tax Credit and Registered Disability Savings Plan are different, but they are connected. DTC approval may be needed before opening or maintaining RDSP eligibility.
Why this matters
For some families, the long-term RDSP opportunity can be as important as the tax credit itself.
- DTC: non-refundable tax credit.
- RDSP: long-term savings plan for people approved for the DTC.
- Government grants and bonds may be available depending on eligibility and contribution rules.
Want a professional review?
If you are unsure about your situation, submit a review request. We do not guarantee approval or refund amounts.
Related pages
This website provides general information only and is not affiliated with the CRA. Always rely on official CRA guidance and qualified professionals for individual situations.