Canada Disability Savings Bond (CDSB)
What does Canada Disability Savings Bond mean?
The Canada Disability Savings Bond is money the federal government may deposit into an eligible person's Registered Disability Savings Plan, even when no personal or family contributions have been made. It is designed to support lower-income individuals and families, recognizing that not everyone has room in the budget to contribute to savings. Eligibility is based on family net income.
Why this term matters
The CDSB is especially meaningful for families with limited financial resources, as it allows savings to grow in an RDSP without requiring any contributions — making long-term planning more accessible for a wider range of families.
Canadian context
The Canada Disability Savings Bond is a federal benefit tied to family net income and requires an open RDSP and an approved Disability Tax Credit certificate. Eligibility and bond amounts are determined by the program administrator, and it may be worth reviewing current income thresholds directly with Employment and Social Development Canada or a participating financial institution.
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