Who is eligible for RDSPs?

•    You must be eligible and approved for the federal Disability Tax Credit
•    You must be a Canadian resident
•    You must be under 60

How do you know if you are eligible for the disability tax credit?

Individuals who have a severe and prolonged impairment (an impairment is prolonged if it has lasted, or is expected to last, for a continuous period of at least 12 months) in physical or mental functions.

A qualified practitioner has to complete and certify that you have a severe and prolonged impairment and its effects. The government of Canada will then decide if you are eligible. 

To find out if you may be eligible for the DTC, use the self-assessment questionnaire:

1.    Has your impairment in physical or mental functions lasted, or is it expected to last, for a continuous period of at least 12 months?
          YES/ NO

If you answered yes, answer Questions 2 to 5 below. If you answered no, you are not eligible for the DTC. To claim the disability amount, the impairment has to be prolonged (defined on the previous page).

2.    Are you blind?
          YES/NO

3.    Do you receive life-sustaining therapy (the therapy is required to support a vital function, even if it alleviates the symptoms; and the therapy is needed at least 3 times per week, for an average of at least 14 hours per week)?
          YES/NO

4.    Do the effects of your impairment cause you to be markedly restricted (You are markedly restricted if, all or substantially all of the time, you are unable or it takes you an inordinate amount of time to perform one or more of the basic activities of daily living, even with therapy (other than therapy to support a vital function) and the use of appropriate devices and medication) all or substantially all of the time in one or more of the following basic activities of daily living, even with the appropriate therapy, medication, and devices? 
• speaking
• hearing
• walking
• elimination (bowel or bladder functions) 
• feeding
• dressing
• mental functions necessary for everyday life
          YES/NO

5.    Do you meet all the following conditions?
• Because of the impairment, you are significantly restricted in two or more of the basic activities of daily living listed in Question 4, or you are significantly restricted in vision and one or more of the basic activities of daily living listed in Question 4, even with appropriate therapy, medication, and devices.
• These significant restrictions exist together, all or substantially all of the time (at least 90% of the time).
• The cumulative effect of these significant restrictions is equivalent to being markedly restricted (defined on the previous page) in a single basic activity of daily living.
          YES/NO

If you answered yes to Question 1 and to any one of Questions 2 to 5, you may be eligible for the DTC. To apply for the DTC, complete this form: Disability Tax Credit Application.

Information source: Government of Canada