An adult beneficiary of an RDSP, diagnosed with a severe mental impairment, received $3,000 in Canada Disability Savings Grants (CDSG) for contributions made. They have never received Canada Disability Savings Bonds (CDSB). Their family income has consistently been below the threshold for CDSB eligibility ($34,863 in 2024). What is the maximum amount of CDSB they could receive in future years, assuming no contributions are made at all?

Question: An adult beneficiary of an RDSP, diagnosed with a severe mental impairment, received $3,000 in Canada Disability Savings Grants (CDSG) for contributions made. They have never received Canada Disability Savings Bonds (CDSB). Their family income has consistently been below the threshold for CDSB eligibility ($34,863 in 2024). What is the maximum amount of CDSB they could receive in future years, assuming no contributions are made at all?

Answer options:

• $1,000
• $3,500
• $20,000 ✅ $17,000

Correct answer: $17,000

Explanation: If family net income is below the threshold, the RDSP can receive $1,000 in CDSB each year, even without contributions, up to a lifetime maximum of $20,000. Since they received $3,000 in CDSG, they could be 3 years into their grant eligibility, leaving 17 years for potential bond accumulation ($1,000 x 17 years = $17,000).