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.
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 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.
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.
