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To open an RDSP, you must:

  • Be under the age of 60*
  • Live in Canada.
  • Have a Social Insurance Number (SIN #).
  • Qualify for the disability tax credit. (Click here)

Note: To receive the Canada Disability Savings Bond and the best matching federal government contributions from the Canada Disability Savings Grant, you also need to file your income tax for the previous 2 years.


For information on the eligibility criteria for the disability tax credit, click here.


For more information on the disability tax credit, click here.


*The last year an RDSP can be opened is the year the person with the disability turns 59.


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