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Poster-RDSP Chinese Telelearning -July21-2010

PLAN  is hosting a Chinese RDSP telephone seminar for Chinese families across the country July 21, 2010. Please see the attached poster for more information.

RDSP Teleseminar (Mandarin)

Date and Time: Wednesday, July 21, 2010 – 5 PM to 6:30 PM (Vancouver time)


– by phone: 604-439-9566

– by email:

– by website:

殘障人士註册儲蓄計劃(RDSP)是加拿大政府新訂的一項儲蓄計劃,能幫助我們有殘障的親人建立長遠的經濟保障。殘障人士福利計劃倡導會 (PLAN) 將為加拿大華語家庭安排兩個中文RDSP 電話遙距講座,日期在2010年6月16日和7月21日。如果與您有聯系的華語家庭中有需要知道關於RDSP 資訊者,希望你能幫助將所附上海報交給他們。謹此致謝!

RDSP電話中文講座日期和時間: (溫哥華時間)
2010年7月21日(星期三)下午5時至下午6時 30分(國語)


PLAN’s new  Step by Step Guide (to becoming eligible, opening and managing your Registered Disability Savings Plan) is available now for free download. Just click on the following link:  Step-by-Step Guide

With support from the Investor Education Fund, the guide has been written and designed in plain language for people with disabilities and their families.  It will walk you through all the steps necessary for becoming eligible, opening and managing an RDSP.

Feel free to use it and pass it on to others who might utilize it.  Our goal is to make information about the RDSP more accessible so that more people can use the RDSP to improve their financial security.

And….let us know what you think!  Post your comments and suggestions…there will always be another iteration.

We are continuing to find that many people still haven’t heard about the RDSP, aren’t aware of the benefits (EVEN IF THEY CAN’T CONTRIBUTE!), or don’t know how it works or how to set one up.

With a number of partners in BC, Alberta and Ontario we are putting on even more  seminars, telephone seminars and, in Ontario, webinars.  If you want to check what’s available in your region, check the following links:


– In person:

– Webinars:

BC and Alberta

– In person:

– Telephone seminars:

Feel free to pass this on to friends, forward the links and post to websites and blogs.

Ontario’s Government has shown that they understand the will of individuals and families to help save for the future and have completely exempted the Registered Disability Savings Plan from affecting qualification for individuals receiving social assistance from the province.  This means people in Ontario can invest in an RDSP and withdraw from the plan without impacting their eligibility for social assistance or any of their social assistance payments.

“This is about making it easier for families to save for their children with disabilities,” said Minister of Community and Social Services Madeleine Meilleur. “We are making sure that people can put money in an RDSP without it affecting their eligibility for disability support.”

Al Etmanski, President and Co-Founder of Planned Lifetime Advocacy Network, was quoted in the Ministry of Community and Social Services Press Release that detailed the full exemption.

“The message from the Ontario government is clear. It trusts families to help their relative with a disability and has opened the door for them to secure the future for their loved one. In twenty years, we’ll look back on this as a watershed moment for people with disabilities.” 

The Ontario Government also took the opportunity to raise the amount Ontarians can receive as a gift or payment from a trust from $5,000 to $6,000 a year.

Way to go Ontario!

For the full press release please visit:

Yet another article has come out encouraging Ontario to exempt the RDSP. This time written by Mike Burke-Gaffney of the Toronto Sun and entitled Will Dalton Do the Right Thing? Federal plan to help families with disabled children hinges on Ontario’s co-operation. With MPP Sylvia Jones’ Bill 94 gaining momentum and past the 1st reading in the Legislature, and more and more columnists and organizations coming out in support of an exemption of the RDSP in Ontario, it will be interesting to see what the response is from the Provincial Government.

MPP Sylvia Jones pushes for provincial welfare changes to accommodate the RDSP in Ontario for people with disabilities. See below for article as found in the Orangeville Citizen:

Jones Bill Would Preserve Disability Benefits

Dufferin-Caledon MPP Sylvia Jones says a bill she has introduced in the Ontario legislature will prevent the provincial Liberals from “clawingback” investments made into a Registered Disability Savings Plan (RDSP).

Plans for the RDSP were announced by the federal government in its 2007 budget and the plan is slated to come into effect later this year. Its intent is to help parents and others save for the long-term financial security of a disabled child.

The federal plan allows funds to be invested taxfree until withdrawal and contributions are eligible for the new Canada Disability Savings Grant.

There is also a new Canada Disability Savings Bond for individuals with lower family net incomes.

Ms. Jones, the Progressive Conservative community and social services critic, says that as the law stands in Ontario, the RDSP would be considered an additional asset to be taken into consideration when calculating social assistance benefits. Thus, it could mean a reduced amount paid in the benefit.

To see the article in its entirety you can visit:

To view the Press Release visit:

To view the status of the Bill visit:

Currently BC, Alberta, Newfoundland, Saskatchewan, Manitoba, Ontario, Nova Scotia, NWT and Yukon have exempted the RDSP as an asset and/or income. Quebec and New Brunswick have exempted the RDSP as an asset but are capping the amount of income that you are allowed to withdraw from the plan (QB $305 exempt monhtly and NB $800 exempt monthly). Prince Edward Island has announced that they will exempt the RDSP as an asset and income up until the low income threshold (see for more details), and Nunavut has currently not indicated how they will treat the RDSP.

We will be updating this blog consistently and letting you know as soon as the provinces announce their intentions.

December 30, 2006 – Norma Greenaway’s coverage of the Expert Panel’s Report in the Ottawa Citizen. Read the article.

The Caledon Institute of Social Policy, December 2003, supported the concept of pooling family resources as an innovative solution, in which people with disabilities, families and the federal government would be partners.

Read the Commentary by Sherri Torjman.

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