Canada Disability Savings Grant
CDSG
A federal matching grant paid into a Registered Disability Savings Plan (RDSP). The government matches your contributions at 1:1, 2:1, or 3:1 depending on family income.
Useful Tips for Applying
The lifetime grant maximum is $70,000. Contribute early in the year since grants are first-come. Unused grant entitlements can be carried forward for up to 10 previous years, subject to a $10,500 annual carry-forward limit.
Who May Qualify
Anyone with an RDSP who is approved for the Disability Tax Credit (DTC). New grants are paid on contributions made until December 31 of the year the beneficiary turns 49.
Required Documents
DTC approval, an RDSP account opened at a participating financial institution, and a Social Insurance Number.
How to Apply
Open an RDSP at a participating bank or financial institution and make a contribution. The institution applies for the grant on your behalf when you contribute.
Common Mistakes to Avoid
Assuming you must be low-income — everyone eligible gets at least 1:1, and lower income means a higher match. Missing the age 49 cutoff for new contributions.
Preparing an application?
The Application Helper walks you through each question on this benefit's form in plain language.
You may also be eligible for…
Canada Disability Savings Bond
Money the Government of Canada pays directly into a Registered Disability Savings Plan (RDSP) for low- and modest-income Canadians with disabilities — no contribution required.
View detailsRegistered Disability Savings Plan
A long-term, tax-deferred savings plan designed to help Canadians with disabilities and their families save for the future. The Government of Canada provides matching grants and bonds to eligible beneficiaries to help grow their savings.
View detailsSevere Permanent Disability Benefit
May cancel the repayment of federal and provincial student loans for borrowers whose severe permanent disability prevents them from studying and working.
View detailsApplication denied?
If your application is turned down, the Appeals Guide explains filing deadlines, escalation levels, and where to find free legal and advocate help.
National resources
HealStroke: Stroke Recovery — Stroke Technology, Inc.
HealStroke is a mobile app for adults after stroke and adult caregivers. Publisher-described features include daily recovery organization, reminders, guided practice and progress records. Free download with in-app purchases. It supports education and self-management alongside professional care; no independent clinical-effectiveness or accessibility certification is claimed.
View detailsStepSafe Technologies Inc.
StepSafe makes a matchbox-sized cellular GPS tracker for children with autism, ADHD or Down syndrome who are prone to wandering (elopement). Parents see live location in an app, get alerts when a child leaves a safe zone, and the microphone is permanently disabled for privacy. Locking wristband and waistband wearables are in development. Devices ship to families in Canada and the US starting February 2027. We also offer a free wandering Safety Kit for parents (printable ID card, safety plan and checklists) at stepsafetech.com/resources.
View detailsFind A Doctor Canada
Find A Doctor Canada is a free, independent online search tool for exploring family-doctor, walk-in clinic and other primary-care options across Canada. Searching for a family doctor can add another burden for people already managing a disability or supporting a loved one — this tool lets users search by location and care type, review reported availability and source notes, and contact clinics directly. It is a navigation tool, not a clinic or medical service; current intake, eligibility and accessibility arrangements must be confirmed with each provider, and acceptance is not guaranteed.
View detailsAccessible Compass is an independent guide — we are not a government agency and do not process applications or approve benefits. We provide general information only, not legal, medical, or financial advice. Program rules may change. Always confirm with official government sources.
