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At Punjab Insurance, we understand that caring for a loved one with a disability comes with both emotional and financial responsibilities. Our mission is to help you turn that care into confidence — by showing you how the Registered Disability Savings Plan (RDSP) can create long-term financial stability and unlock the full potential of government-supported savings.
The RDSP isn’t just a plan — it’s a promise for the future. A promise that your loved one will have the financial independence they deserve, supported by both your contributions and the generous backing of the Canadian government.
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RDSP
What Is the RDSP?
The Registered Disability Savings Plan (RDSP) is a federal savings program designed to help Canadians with disabilities and their families save for long-term financial security — with tax-deferred growth and substantial government contributions.
Through this program, the government provides:
-
Canada Disability Savings Grant (CDSG):
Matching contributions of up to $3,500 per year, depending on your family income and annual contribution amount.
- Canada Disability Savings Bond (CDSB):
Up to $1,000 per year for lower-income families — no personal contribution required.
Together, families may receive up to $90,000 in lifetime government contributions, helping secure a bright, independent future for their loved ones.
Why the RDSP Matters
Raising or supporting a person with a disability often involves unique long-term financial planning. The RDSP ensures that your savings grow tax-free and that your loved one’s financial independence is protected — even when you are no longer able to provide direct support.
With the RDSP, you can:
Create tax-deferred, long-term savings
Receive federal grants and bonds to multiply your contributions
Support education, housing, healthcare, or daily living needs
Build a secure, dignified future for someone you deeply care for
RDSP
Where do I get it?
Availability
For the most current information on participating institutions, contact us for more details or research options to find the financial institution that best meets your needs.
Provincial/Territorial Implications – Disability Benefits
In many provinces and territories, individuals eligible for disability benefits face restrictions on accumulating assets or receiving income, which can limit their ability to save for future financial security. These restrictions may result in disqualification from benefits or clawbacks of funds.
To address this, we advocate for all provinces and territories to fully exempt the RDSP from asset and income tests used to determine eligibility for disability benefits. If RDSP funds are not exempt, individuals may hesitate to open an RDSP, as withdrawals could reduce or eliminate their disability benefits, undermining the plan's purpose.
How do I qualify?
To qualify for the Registered Disability Savings Plan (RDSP), you must:
- Obtain a Social Insurance Number (SIN).
- Be approved for the Disability Tax Credit (DTC) and, if applicable, the Canada Child Tax Benefit for children under 19.
- File your income tax returns.
- Designate a Holder to manage financial decisions.
- Be 60 years old or younger.
RDSP
Where do I get it?
Availability
For the most current information on participating institutions, contact us for more details or research options to find the financial institution that best meets your needs.
Provincial/Territorial Implications – Disability Benefits
In many provinces and territories, individuals eligible for disability benefits face restrictions on accumulating assets or receiving income, which can limit their ability to save for future financial security. These restrictions may result in disqualification from benefits or clawbacks of funds.
To address this, we advocate for all provinces and territories to fully exempt the RDSP from asset and income tests used to determine eligibility for disability benefits. If RDSP funds are not exempt, individuals may hesitate to open an RDSP, as withdrawals could reduce or eliminate their disability benefits, undermining the plan's purpose.
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Financial advisors boost you to tax planning, investment management, estate planning and others.
Tax Management
Tax management is difficult for a company.Our assistance helps you to manage tax in a very easiest way.
Economic Planning
Fiocas assistance helps you to plan economically which is the best way and how to reduce the cost.
Finance Consulting
Financial advisors boost you to tax planning, investment management, estate planning and others.
Tax Management
Tax management is difficult for a company.Our assistance helps you to manage tax in a very easiest way.
Economic Planning
Fiocas assistance helps you to plan economically which is the best way and how to reduce the cost.
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They are giving their service 24/7. Once I have faced a problem at midnight and it's an emergency to me I call them and they fix the problem I faced within 1 hr. Where I see that some companies say that they support 24/7 but don’t.
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Compared to the other companies in the market I have seen that the service Fionca supplies is safe, trust and honesty (employee) and their service much better than the other companies in the market.
They are giving their service 24/7. Once I have faced a problem at midnight and it's an emergency to me I call them and they fix the problem I faced within 1 hr. Where I see that some companies say that they support 24/7 but don’t.
We have been taking their Financial assistance and expertise services approximately 10 years and I see that they provide their service with more trust and honesty than the other company in the market.
Compared to the other companies in the market I have seen that the service Fionca supplies is safe, trust and honesty (employee) and their service much better than the other companies in the market.
Compared to the other companies in the market I have seen that the service Fionca supplies is safe, trust and honesty (employee) and their service much better than the other companies in the market.
They are giving their service 24/7. Once I have faced a problem at midnight and it's an emergency to me I call them and they fix the problem I faced within 1 hr. Where I see that some companies say that they support 24/7 but don’t.
We have been taking their Financial assistance and expertise services approximately 10 years and I see that they provide their service with more trust and honesty than the other company in the market.
Compared to the other companies in the market I have seen that the service Fionca supplies is safe, trust and honesty (employee) and their service much better than the other companies in the market.
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