What TD Offers
Designed for Canadians with disabilities and their families
Annual withdrawals, or Lifetime Disability Assistance Payments (LDAPs), begin by the end of the year in which the beneficiary turns 60. These annual payments will then continue for the life of the beneficiary.
This form of withdrawal is known as a Disability Assistance Payments (DAPs)2, and can be paid to the beneficiary any time after the RDSP is established.
This registered savings plan helps Canadian with disabilities and their families create greater financial security.
Work with a TD Wealth Financial Planner who will take the time to get to know the whole you. A Financial Planner can help you incorporate an RDSP1 into your personalized financial plan that will help you and your family save for long-term financial needs with no minimum investment required.
Visit our website to learn more about how working with a TD Wealth Financial Planner can help you prepare for what's most essential to you.
1Refers to the TD Waterhouse Disability Savings Plan.
Meet with a banking specialist in person at the branch closest to you.
Our banking specialists are ready to answer your questions and can assist you with your application.
* Refers to the TD Waterhouse Disability Savings Plan.
1 Conditions apply.
2 A DAP cannot be paid if it causes the value of the RDSP to fall below the total amount of grants and bonds that have been paid into the plan within the last 10-year period less any amount of grants and bonds paid in that period that has been repaid to the government. While withdrawals from the plan can be made at any time for the benefit of the beneficiary, it is very important to note that any grant or bond received within 10 years prior to a payment must be repaid, as the plan is intended to encourage long-term savings.