Guides Guide

RDSP explained: grants, bonds, eligibility and withdrawals for 2026

By Alex Francisco Updated Sep 30, 2026 Figures checked Sep 30, 2026 13 min read

What is an RDSP and how much does the government add?

An RDSP (registered disability savings plan) is a long-term savings plan for a person approved for the disability tax credit, and the government can add up to $3,500 a year in matching grants plus a $1,000 yearly bond. Lifetime limits are $70,000 of grant, $20,000 of bond and $200,000 of contributions, and a withdrawal usually repays $3 of grant and bond for every $1 taken out if any was paid in the previous 10 years.

Only a person approved for the disability tax credit (DTC), resident in Canada, with a SIN, can be an RDSP beneficiary, and the plan must be opened by the end of the year they turn 59.
The Canada Disability Savings Grant matches contributions at $3 per $1 on the first $500 and $2 per $1 on the next $1,000 when family income (from the 2024 return, for 2026) is $117,045 or less, for up to $3,500 a year.
The Canada Disability Savings Bond pays up to $1,000 a year with no contribution needed when family income is $38,237 or less, and stops at $58,523.
Unused grant and bond from DTC-approved years in the past 10 carry forward: up to $10,500 of grant a year, and up to $11,000 of bond when the plan opens.
There is no annual contribution limit, but lifetime contributions cap at $200,000, and grants and bonds stop after the year the beneficiary turns 49.
Withdrawals usually repay $3 of grant and bond for every $1 taken out if any was paid in the last 10 years; regular payments must start by the end of the year the beneficiary turns 60.

— YieldMaple, figures checked against official sources on September 30, 2026. Sources

A registered disability savings plan (RDSP) is the savings account built for people with disabilities in Canada, and the government can match contributions at up to $3 for every $1. A family that puts in $1,500 a year can see the federal government add $3,500 of grant, and a beneficiary with a low income can receive a $1,000 bond every year without contributing anything. The trade-off is time: the plan is designed for money that stays invested for a decade or more, and taking it out early means giving much of the government money back.

This page explains the 2026 federal rules using figures from Employment and Social Development Canada (ESDC), which runs the Canada Disability Savings Program, and the Canada Revenue Agency (CRA), which sets the tax rules. It is education, not financial advice. The yearly Statement of Entitlement from ESDC and the RDSP issuer’s statements show the exact grant and bond a specific beneficiary can receive.

How much does the government put into an RDSP in 2026?

Two federal programs pay into an RDSP. The Canada Disability Savings Grant matches contributions; the Canada Disability Savings Bond is paid to lower-income beneficiaries whether or not anyone contributes. Both depend on family income, and ESDC indexes the thresholds every year.

RDSP limits and deadlines at a glance, 2026

How to read this table: Ages are counted to December 31 of the year the beneficiary reaches them. Grants, bonds and investment growth do not count toward the $200,000 contribution limit.

Rule	Amount or limit	Deadline or period
Canada Disability Savings Grant	Up to $3,500 a year; $70,000 lifetime	December 31 of the year the beneficiary turns 49
Canada Disability Savings Bond	Up to $1,000 a year; $20,000 lifetime	December 31 of the year the beneficiary turns 49
Catch-up (carry-forward) grant	Up to $10,500 in one year	Covers DTC-approved years in the past 10
Catch-up (carry-forward) bond	Up to $11,000 when the plan is opened	Covers DTC-approved years in the past 10
Contributions	No annual limit; $200,000 lifetime	End of the year the beneficiary turns 59
Opening a plan	One plan per beneficiary	By December 31 of the year the beneficiary turns 59
Regular withdrawals (LDAPs)	Formula-based yearly amount	Must start by the end of the year the beneficiary turns 60

The grant rate depends on the beneficiary’s family income. For 2026, ESDC uses the family income reported on the 2024 tax return.

Canada Disability Savings Grant matching rates, 2026

How to read this table: Family income is the 2024 income used for the 2026 grant. The lifetime grant limit is $70,000 at every income level.

Family income (2024 return)	First tier	Second tier	Contribution for the full grant	Yearly grant maximum
$117,045 or less	$3 per $1 on the first $500 (up to $1,500)	$2 per $1 on the next $1,000 (up to $2,000)	$1,500	$3,500
More than $117,045	$1 per $1 on the first $1,000 (up to $1,000)	No further grant	$1,000	$1,000

Canada Disability Savings Bond by family income, 2026

How to read this table: Family income is the 2024 income used for the 2026 bond. The bond is deposited automatically each year once it has been applied for. The lifetime bond limit is $20,000.

Family income (2024 return)	Yearly bond	Contribution needed?
$38,237 or less	$1,000 a year	None needed
Between $38,237 and $58,523	Part of the $1,000, falling as income rises	None needed
$58,523 or more	No bond	Not applicable

Who is eligible for an RDSP?

To be the beneficiary of an RDSP, a person must meet all four conditions ESDC sets:

Be approved for the disability tax credit by the CRA.
Open the plan before December 31 of the year they turn 59.
Be a resident of Canada when the plan is opened (and when each contribution is made).
Have a Social Insurance Number.

The DTC approval is the gate. It comes from Form T2201, certified by a medical practitioner and approved by the CRA; the disability tax credit guide explains the tests, the 2026 amounts and how past years can be claimed. Families often discover the RDSP only after a DTC approval, which is why the carry-forward rules below matter so much.

Each beneficiary can have only one RDSP, and each RDSP has only one beneficiary. Two more roles are involved:

The holder opens and manages the plan. For a minor, it is a legal parent, a guardian or other legal representative, or a public department. An adult who can enter into a contract and has no legal representative must be their own holder, although legal parents who opened a plan while the beneficiary was a minor can stay on as holders. The holder does not have to live in Canada.
Contributors can be anyone (grandparents, aunts, friends) as long as the holder gives written permission. Contributions are gifts to the beneficiary: contributors never get them back.

When an adult’s ability to enter into a contract is in doubt and there is no legal representative, a qualifying family member (a spouse, common-law partner, parent or adult sibling) can open the plan and act as holder. The CRA says this measure ends on December 31, 2026, so families relying on it should open the plan before then or check whether it has been extended.

How does the RDSP grant work?

The grant is paid on contributions made in a calendar year, until December 31 of the year the beneficiary turns 49. ESDC deposits it within 6 to 8 weeks of each eligible contribution. For 2026, when family income (from the 2024 return) is $117,045 or less:

The first $500 contributed earns $3 per $1: up to $1,500 of grant.
The next $1,000 earns $2 per $1: up to $2,000 of grant.
Anything above $1,500 in the year earns no grant (ESDC calls it an unassisted contribution), unless there is unused room from past years.

Worked example. A family with income under the threshold contributes $1,000 in 2026. The first $500 earns $1,500 of grant and the remaining $500 earns $1,000, for a total grant of $2,500. Another $500 in the same year would have brought the grant to the $3,500 maximum.

At the maximum pace, a lower-income beneficiary reaches the $70,000 lifetime grant limit after 20 years of contributions, which is $30,000 put in by the family. If the beneficiary also qualifies for the full bond for 20 years, that is another $20,000, for up to $90,000 of federal money before any investment growth.

Above the income threshold, the match drops to $1 per $1 on the first $1,000. If family income stayed above the threshold every year, even contributing every year from birth to the year the beneficiary turns 49 would collect at most $50,000, short of the $70,000 lifetime limit. Carry-forward room from lower-income years can help close part of that gap.

What is the Canada Disability Savings Bond?

The bond is the part of the RDSP that needs no contribution. When family income is $38,237 or less, ESDC deposits $1,000 a year. Between $38,237 and $58,523, a partial bond is paid, shrinking as income rises, under a formula in the Canada Disability Savings Act. At $58,523 or more, no bond is paid. The lifetime bond limit is $20,000, and bonds stop after the year the beneficiary turns 49.

The income test changes at 19. Until the end of the year the beneficiary turns 18, the grant and bond are based on the parents’ or guardians’ family income, the same income the CRA uses for the Canada child benefit. From the year they turn 19, only the beneficiary’s own income (plus a spouse’s or common-law partner’s) counts. So a family that earned too much for the bond while the child was young can see it start once the beneficiary files their own returns, if the beneficiary’s own income is low enough. The CRA requires the beneficiary to file income tax returns for the past two years and every future year while they have an RDSP, and ESDC says the beneficiary must start filing in the year they turn 17.

Can you catch up on RDSP grants and bonds for past years?

Yes, which is what makes a late start less costly than it looks. Grant and bond entitlements from DTC-approved years in the past 10 carry forward, as long as the beneficiary also met the other conditions (such as Canadian residency) in those years.

Bond catch-up is automatic. When the plan is opened and the bond is applied for, ESDC pays the bond for each eligible year in the past 10 plus the current year: up to $11,000 at once, with no contribution.
Grant catch-up needs contributions, made by the end of the year the beneficiary turns 49. ESDC matches each contribution at the highest unused rate first ($3-per-$1 room before $2-per-$1 room), oldest eligible year first, and the total grant in any single year, including catch-up, is capped at $10,500.

Worked example. A 35-year-old has been approved for the DTC for more than 10 years, has had a family income around $20,000 every year, and opens an RDSP in 2026. Soon after the bond application, the plan receives up to $11,000 of bond. The family then contributes $3,500, which ESDC applies to the first $500 of seven past years at $3 per $1: $10,500 of grant, the annual maximum. The remaining room keeps rolling forward, but each new calendar year pushes the oldest year out of the 10-year window, so contributing every year matters.

Every February until the year the beneficiary turns 49, ESDC mails a Statement of Entitlement showing the grant available that year, including carry-forward amounts, and how much to contribute to collect it.

What is the RDSP contribution limit?

There is no annual limit. Lifetime contributions for a beneficiary are capped at $200,000, across all plans they have ever had. Contributions can continue until the end of the year the beneficiary turns 59, although grants stop after the year they turn 49. Contributions are not tax-deductible, unlike RRSP contributions.

Besides regular contributions, money can arrive in three other ways. Rollovers count toward the $200,000; a transfer between two RDSPs of the same beneficiary does not:

Rollovers from a parent’s or grandparent’s retirement savings. When a parent or grandparent dies and the beneficiary was financially dependent on them, RRSP, RRIF, registered pension plan, pooled registered pension plan or specified pension plan proceeds can be rolled into the RDSP tax-deferred. The RRIF guide covers the accounts involved, and the inheritance tax page covers how registered plans are taxed at death.
Rollovers from an RESP. The investment growth in an RESP can move to the same person’s RDSP if they have a severe and prolonged mental impairment that prevents post-secondary study, if the RESP has existed for at least 10 years and every beneficiary is 21 or older and not studying, or if the RESP is more than 35 years old. The RESP guide explains the other exits for unused RESP money.
Transfers from another RDSP of the same beneficiary, for example when switching issuers. The whole plan has to move (partial transfers are not allowed) and the old plan closes; the CRA says the transferred amount does not count toward the $200,000 limit.

Rollovers never attract grant. Neither do contributions above the amount needed to collect the full grant for the year.

RDSP withdrawal rules: when can money come out?

The RDSP is built for the long term, and the withdrawal rules show it. Two kinds of payment exist:

Types of RDSP withdrawals

How to read this table: Each payment is made up of a proportion of contributions, grants, bonds and growth. Only grant and bond paid into the plan more than 10 years ago are included in payments.

Payment	What it is	When
Lifetime disability assistance payment (LDAP)	Recurring payments to the beneficiary, at least once a year, until the money runs out or the beneficiary dies	Must start by the end of the year the beneficiary turns 60; can start earlier
Disability assistance payment (DAP)	A single withdrawal the holder requests, paid to the beneficiary or their estate	Any time the plan's terms allow it (not every issuer offers single payments)

The 10-year repayment rule. If any grant or bond was paid into the plan in the 10 years before a withdrawal, $3 of that grant and bond must be repaid for every $1 withdrawn, up to the total paid in those 10 years. Issuers set aside that total as an “assistance holdback amount” so the repayment is always covered. For example, a withdrawal of $2,000 from a plan that received at least $6,000 of grant and bond in the last decade means repaying $6,000 of grant and bond. Once 10 years have passed since the last grant or bond deposit, withdrawals can generally be made without repayment.

Regular payments from 60. Lifetime disability assistance payments must begin by December 31 of the year the beneficiary turns 60 and continue at least yearly until the plan is empty or the beneficiary dies. The CRA caps the yearly amount with a formula: the plan’s value at the start of the year divided by (the greater of 80 and the beneficiary’s age, plus 3, minus the beneficiary’s age). A beneficiary aged 60 with a plan worth $120,000 could receive up to $5,217 that year. If government money in the plan has exceeded private contributions (the CRA calls it a primarily government-assisted plan), yearly payments are limited to the greater of that formula and 10% of the plan’s value.

Shortened life expectancy. When a doctor or nurse practitioner certifies that the beneficiary is not expected to live more than 5 years, the beneficiary can withdraw up to $10,000 a year of taxable savings, plus a share of contributions, without the 10-year repayment. The holder has to make an election with the issuer first.

Tax on withdrawals. Contributions come back tax-free. Grants, bonds, investment growth and rollover amounts are taxable income for the beneficiary. Each payment contains a proportion of each, so only part of every withdrawal is taxed.

Does an RDSP affect disability benefits like ODSP or AISH?

ESDC says that in every province and territory, opening an RDSP, contributing to it and the money held in it do not affect eligibility for federal, provincial or territorial benefits, such as monthly disability income support. That covers programs like Ontario’s ODSP and Alberta’s AISH; the ODSP payment dates and AISH payment dates pages list when those payments arrive.

Withdrawals are the exception in three provinces: in Quebec, New Brunswick and Prince Edward Island, money taken out of an RDSP may reduce provincial benefits. Beneficiaries there should ask their provincial program before withdrawing. The federal Canada Disability Benefit, also open only to people approved for the DTC, has its own income test, explained on its page.

What happens if DTC approval is lost, or the beneficiary dies?

Lost DTC approval. Since 2021, the holder can keep the plan open or close it. While approval is missing, no contributions can be made and no grants or bonds are paid, but the grants and bonds already in the plan do not have to be repaid just because approval ended. Withdrawals before the year the beneficiary turns 60 repay $3 per $1 withdrawn from the grants and bonds paid in the 10 years before approval was lost (ESDC shortens that look-back period once the beneficiary is over 50). A rollover from a deceased parent’s or grandparent’s retirement savings is still possible for a limited time after approval is lost. If approval comes back, the plan works normally again.

Death of the beneficiary. The plan must close and the money goes to the beneficiary’s estate by December 31 of the year after the year of death. All grants and bonds paid in the 10 years before the death are repaid first, under the full 10-year rule rather than the $3-per-$1 rule. Closing a plan voluntarily also triggers full repayment of that 10-year amount.

How do you open an RDSP and apply for the grant and bond?

Confirm DTC approval. The CRA’s notice of determination shows the years approved. Without approval, no RDSP can be opened.
Get SINs ready. Both the holder and the beneficiary need a Social Insurance Number.
Choose an issuer. RDSPs are offered by participating banks, credit unions and investment firms. ESDC publishes a list of issuers on its RDSP page; an existing account at the institution is not required. Ask about fees, investment choices and whether single withdrawals (DAPs) are allowed.
Apply for the grant and bond when opening. The applications are signed with the issuer (an adult beneficiary signs too). If family income qualifies, the bond, including catch-up years, then arrives without any contribution.
Contribute enough for the full grant. At family income of $117,045 or less that is $1,500 a year ($1,000 above it), more when catching up. The compound interest calculator shows how a plan could grow over 20 or 30 years.
File tax returns every year. Missing returns (the parents’ before 19, the beneficiary’s own after) can stop the grant and bond.

Wealthsimple does not appear on ESDC’s list of RDSP issuers, so this page links no brokerage for opening one. For a flexible account alongside the RDSP, the TFSA guide explains how a TFSA works for money that may be needed sooner.

Common RDSP mistakes

Waiting to open the plan after a DTC approval. Bond and grant catch-up only reach back 10 years, and every year of delay pushes an eligible year out of the window.
Contributing more than needed in one year. Above the amount that collects the full grant, extra contributions earn no match, and they cannot be withdrawn without triggering repayment.
Letting the beneficiary skip tax returns. From the year they turn 19, grants and bonds are based on the beneficiary’s own returns; no return can mean no bond.
Withdrawing within 10 years of a grant. At $3 repaid per $1 withdrawn, a small withdrawal can cost a large share of the plan’s government money.
Forgetting the age 49 cut-off. Contributions made after the year the beneficiary turns 49 earn no grant, and no bond is paid.
Ignoring provincial rules on withdrawals in Quebec, New Brunswick or Prince Edward Island.

What if a grant or bond is missing or wrong?

Start with the RDSP issuer, which handles the grant and bond applications and can check why a payment was not made. Possible reasons include a missing or mismatched SIN, unfiled tax returns, a lapsed DTC approval, or a contribution made after the year the beneficiary turned 49. For questions about a specific plan’s grants or bonds, ESDC’s RDSP line is 1-866-204-0357 (Monday to Friday, 8 am to 5 pm Eastern). General questions go to 1 800 O-Canada (1-800-622-6232; TTY 1-800-926-9105), and tax questions about RDSP payments go to the CRA at 1-800-959-8281. Taxable RDSP payments are reported on a T4A slip.

What changes next for the RDSP?

December 31, 2026: the qualifying family member measure for adults whose capacity to contract is in doubt is scheduled to end, according to the CRA.
January 1, 2027: new grant and bond income thresholds, indexed each year and applied to family income on the 2025 return, take effect for 2027. This page will be updated when ESDC publishes them.
February 2027: Statements of Entitlement for 2027 arrive by mail for beneficiaries 49 and under.

The yearly and lifetime grant and bond maximums, the $200,000 contribution limit and the repayment rules are fixed in federal law; only the income thresholds are indexed each year.

Frequently asked questions

What is an RDSP and how does it work?

An RDSP is a registered disability savings plan: a long-term, tax-sheltered savings account for a person approved for the disability tax credit. A holder opens it at a bank, credit union or investment firm and names the beneficiary. Family and friends can contribute with the holder's permission, and the federal government adds the Canada Disability Savings Grant and Bond. Money is meant to stay in for many years; regular payments to the beneficiary must start by the end of the year they turn 60.

Who is eligible for an RDSP?

The beneficiary must be approved for the disability tax credit by the Canada Revenue Agency, have a Social Insurance Number, be a resident of Canada, and open the plan before December 31 of the year they turn 59. Diagnosis and income do not decide eligibility for the plan itself, but family income decides how much grant and bond it receives. A person can have only one RDSP at a time.

How much is the RDSP grant?

For 2026, when family income (from the 2024 tax return) is $117,045 or less, the Canada Disability Savings Grant pays $3 for every $1 on the first $500 contributed and $2 for every $1 on the next $1,000, so a $1,500 contribution attracts the full $3,500. Above $117,045, the grant is $1 for every $1 on the first $1,000, up to $1,000 a year. The lifetime maximum is $70,000, paid until the end of the year the beneficiary turns 49.

What is the Canada Disability Savings Bond?

The bond is money the federal government deposits into the RDSP of a low- or modest-income beneficiary with no contribution required. In 2026 it is $1,000 a year when family income (from the 2024 tax return) is $38,237 or less, a partial amount between $38,237 and $58,523, and nothing at $58,523 or more. The lifetime bond limit is $20,000, and it is paid until the end of the year the beneficiary turns 49.

Whose income decides the RDSP grant and bond?

Until the end of the year the beneficiary turns 18, the parents' or guardians' family income is used, the same income the CRA uses for the Canada child benefit. From the year the beneficiary turns 19, it is the beneficiary's own income plus a spouse's or common-law partner's. ESDC looks at the return from two years earlier, so 2026 amounts are based on 2024 income. ESDC says the beneficiary must start filing a tax return every year from the year they turn 17.

Can you get RDSP grants and bonds for past years?

Yes. Grant and bond entitlements from DTC-approved years in the past 10 carry forward. The bond catch-up is automatic when the plan opens and the bond is applied for: up to $11,000, which is $1,000 for each eligible past year plus the current year. The grant catch-up needs contributions and is capped at $10,500 in a single year, so a full catch-up can take several years.

What is the RDSP contribution limit?

There is no annual limit. Lifetime contributions for one beneficiary are capped at $200,000, and rollovers from a parent's or grandparent's RRSP or RRIF, or from an RESP, count toward that cap. Grants, bonds and investment growth do not. Contributions can be made until the end of the year the beneficiary turns 59, but they only attract grant until the end of the year the beneficiary turns 49.

Can you withdraw money from an RDSP?

Yes, but early withdrawals are expensive. If any grant or bond was paid into the plan in the 10 years before a withdrawal, $3 of that grant and bond must be repaid for every $1 withdrawn, up to the total paid in those 10 years. Once 10 years have passed since the last grant or bond, withdrawals can generally be made without repayment. Not every issuer allows single withdrawals, so the plan's own terms matter.

Are RDSP withdrawals taxable?

Partly. The contributions that went in come back tax-free, because they were not deducted when made. The grants, bonds, investment growth and any rollover amounts are taxable income for the beneficiary in the year they are paid out. Each payment carries a proportion of each part, so only part of every withdrawal is taxed. The issuer reports the taxable part on a T4A slip.

Does an RDSP affect ODSP, AISH or other disability support?

According to ESDC, opening and contributing to an RDSP, and the money held in it, do not affect eligibility for provincial or territorial benefits, such as monthly disability income support, in any province or territory. Withdrawals are treated differently in three provinces: Quebec, New Brunswick and Prince Edward Island may reduce provincial benefits when money comes out, so check with the province before withdrawing there.

What happens to an RDSP when the beneficiary dies?

The plan must be closed and the money paid to the beneficiary's estate by December 31 of the year after the year of death. Before that, all grants and bonds paid into the plan in the 10 years before the death are repaid to the government. The remaining contributions, older grants and bonds, and growth go to the estate, and the taxable part is included in the income of the estate.

What happens to an RDSP if the beneficiary loses DTC approval?

Since 2021 the holder can keep the plan open or close it. While DTC approval is missing, no contributions can be made and no grants or bonds are paid, but money can still be withdrawn. The grants and bonds do not have to be repaid just because approval was lost, but withdrawals before the year the beneficiary turns 60 repay $3 per $1 withdrawn from the grants and bonds paid in the 10 years before approval ended (a shorter period after age 50). If approval is restored, the plan works normally again.

Rules, rates and sources

Last verified: September 30, 2026
Next scheduled check: December 31, 2026

Rule or table	In effect from	Verified
RDSP rules, Canada Disability Savings Grant and Bond — 2026	January 1, 2026 to December 31, 2026	September 30, 2026
Disability tax credit (DTC) amounts, eligibility rules and application steps (2026)	January 1, 2026 to December 31, 2026	September 30, 2026

Official sources

Registered Disability Savings Plan (RDSP) — Canada.ca — Employment and Social Development Canada
How much you could get in grants and bonds — Canada.ca (grant yearly and lifetime maximum, age limit) — Employment and Social Development Canada
Who can open a plan and apply for grants and bonds — beneficiary criteria — Employment and Social Development Canada
Make contributions and watch savings grow — lifetime limit — Employment and Social Development Canada
If you lose Disability Tax Credit approval — Canada.ca — Employment and Social Development Canada
Withdraw money from your plan — Canada.ca (withdrawals must begin at 60) — Employment and Social Development Canada
Transfer or close a plan — estate deadline — Employment and Social Development Canada
Contact us — RDSP (Canada.ca) — Employment and Social Development Canada
What is a registered disability savings plan (RDSP) — Canada Revenue Agency — Canada Revenue Agency
Canada disability savings grant and bond — CRA (matching rates) — Canada Revenue Agency
Eligibility and contributions — CRA (one RDSP, beneficiary residency) — Canada Revenue Agency
Opening an RDSP — CRA (qualifying family member measure end date) — Canada Revenue Agency
RDSP limits, transfers, and rollovers — CRA — Canada Revenue Agency
What types of payments are made from an RDSP — CRA (LDAP formula) — Canada Revenue Agency
Additional rules if the RDSP is a PGAP — CRA — Canada Revenue Agency
Indexation adjustment for personal income tax and benefit amounts — Canada.ca (disability amount, supplement for children and child care/attendant care threshold, 2026 column) — Canada Revenue Agency
Disability tax credit (DTC) — Canada.ca (what the credit is) — Canada Revenue Agency
What is the DTC — Canada.ca (non-refundable; gateway to other programs) — Canada Revenue Agency
Who is eligible — Disability tax credit (DTC) — Canada.ca (three routes to eligibility) — Canada Revenue Agency
Life-sustaining therapy — Disability tax credit (DTC) — Canada.ca (frequency and 14-hour test) — Canada Revenue Agency
Claiming the credit — Disability tax credit (DTC) — Canada.ca (who can be a supporting family member) — Canada Revenue Agency
How to apply — Disability tax credit (DTC) — Canada.ca (medical practitioners who can certify) — Canada Revenue Agency
CRA's review — Disability tax credit (DTC) — Canada.ca (requests for more information) — Canada Revenue Agency
CRA's decision — Disability tax credit (DTC) — Canada.ca (types of decision) — Canada Revenue Agency
Line 31600 – Disability amount for self — Canada.ca (supplement reduction) — Canada Revenue Agency
T2201 Disability Tax Credit Certificate — Canada.ca (form page) — Canada Revenue Agency
Help speed up your disability tax credit application — CRA tax tip, June 16, 2026 (submit documents change) — Canada Revenue Agency

How we check figures: our methodology and editorial policy.

General information for education, not financial, tax, legal or immigration advice. Rules change — confirm anything you act on with the official source or a licensed professional (for immigration, a lawyer or a licensed consultant registered with the College of Immigration and Citizenship Consultants).