A client's 10-year-old child with a severe disability has an RDSP. Their family net income has been consistently below the threshold for CDSB eligibility ($37,173 in 2024). They have never made any contributions to the RDSP. How much CDSB can be accumulated in the RDSP by the time the child turns 18?

Question: A client's 10-year-old child with a severe disability has an RDSP. Their family net income has been consistently below the threshold for CDSB eligibility ($37,173 in 2024). They have never made any contributions to the RDSP. How much CDSB can be accumulated in the RDSP by the time the child turns 18?

Answer options:

• $10,000
• $18,000 ✅ $20,000
• $25,000

Correct answer: $20,000

Explanation: CDSB can be received up to age 49, with a lifetime maximum of $20,000. A beneficiary can receive $1,000 of CDSB per year if family income is below the threshold, even with no contributions. Since the child is currently 10, they can receive $1,000 for 10 years (ages 10-19) for a total of $10,000 plus any prior eligible years, up to the lifetime maximum. The question implies they have been eligible since birth, totaling $20,000 by age 18. ($1,000/year x 20 years maximum = $20,000).