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RDSP 是很好的储蓄计划,但条件不少,过程很长。需要 qualify for the Disability Tax Credit。

To be eligible for the Registered Disability Savings Plan, you must:

1) Make sure you or your relative qualify for the Disability Tax Credit;

2) Be a Canadian Resident and have a valid Social Insurance Number;

3) Be under 60 years of age;

4) If your child is under age 18, make sure you sign up for the Canada Child Tax Benefit;

5) File a tax return for two years prior (to receive the Grant and Bond)

After you have completed or verified these 5 Steps, you are now ready to set up an RDSP with a financial institution that offers the plan.
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