Canada Disability Savings Bond
CDSB
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.
Useful Tips for Applying
You don't need to contribute any money — the bond is paid based on income alone. The lifetime maximum is $20,000. File taxes every year or the bond won't be paid.
Who May Qualify
DTC-approved individuals with an RDSP whose family income is below the set threshold ($38,237 or less for the full $1,000 bond in 2026; a partial bond is paid for incomes between $38,237 and $58,523).
Required Documents
DTC approval, an RDSP account opened at a participating financial institution, a Social Insurance Number, and a filed income tax return.
How to Apply
Open an RDSP at a participating financial institution. The institution applies for the bond on your behalf. You must file income taxes each year.
Common Mistakes to Avoid
Not filing taxes, which prevents the bond from being paid. Believing you must contribute to the RDSP to receive the bond.
You may also be eligible for…
Canada Disability Savings Grant
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.
Learn moreRegistered 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.
Learn moreCPP Children's Benefit
A monthly payment to the dependent children of someone receiving the Canada Pension Plan (CPP) disability benefit, or of a deceased CPP contributor.
Learn moreNeed help with this application?
The Application Helper walks you through each question on a benefit form in plain language — we guide you, never fill it for you.
Application denied?
If your application is turned down, the Appeals Guide explains filing deadlines, escalation levels, and where to find free legal and advocate help.
Resources in this area
The Epilepsy Association of Edmonton and Northern Alberta (EAENA)
The Epilepsy Association of Edmonton and Northern Alberta (EAENA) is a registered charity supporting people living with epilepsy and seizure disorders, and their families, throughout Edmonton and Northern Alberta. The organization provides programs, services, information, education, resources, and support related to living with epilepsy — including epilepsy education (Epilepsy 101), support programs for adults and families, information booklets in English and French, school and community education, and resources on driving, employment, and daily life with a neurological condition. EAENA serves children, youth, adults, and seniors affected by epilepsy across Edmonton and Northern Alberta, including communities north of Red Deer such as Fort McMurray and Wood Buffalo.
View details Disability AdvocacyDisability Alliance Canada
Disability Alliance Canada is a national cross-disability non-profit that provides free one-on-one support to help people navigate federal disability programs, including the Canada Pension Plan Disability Benefit (CPP-D), the Disability Tax Credit (DTC), and the Canada Disability Benefit (CDB). They also offer educational guides, training and workshops, and help with applications, reconsiderations, and appeals.
View details HealthcareAutism Society of the Regional Municipality of Wood Buffalo (Autism RMWB)
The Autism Society of the Regional Municipality of Wood Buffalo (Autism RMWB) is a local, community-based organization in Fort McMurray that creates an inclusive community through programs supporting autistic individuals and all those living with neurodiversity and disabilities, and supports their families across their lifespan. This is the local Wood Buffalo organization and is distinct from the national Autism Society Canada.
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.
