Music if you have a child or family member with disabilities or special needs they may qualify for the disability tax credit now they that person may be receiving provincial disability benefits but that doesn't automatically mean that they qualify for the disability credit in order to qualify they have to be markedly restricted or take substantially longer to do certain things so it's a matter of having a form filled out both by the family's family and and a doctor and then submitted academy revenue and to be approved and then once the credit is approved the credit can be used by being transferred from that family member the child to a taxpaying parent or perhaps a sibling and it can be transferred if they help with to some extent with food or shelter or clothing now if the child lives with you then of course the credit is transferable and if this is the case then you the child can have a registered disability savings plan now the short story is that if they are approved for the disability credit and set up an RDSP then if you contribute 1,500 a year the federal government will contribute $4,500 and this will go on for 20 years or until they turn 49 so you can see that if you put in over 20 years 30,000 and the government puts in 90,000 and then if this is invested over that period for at 5% which is quite doable then at the end of that period it's approximately $200,000 and then if it sits there invested until the child turns 60 which in practice this is the case it's a basically a pension and if you take your notes take the money on sooner then you lose the grants and bonds...
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