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The Registered Disability Savings Plan is a savings plan that helps parents and caretakers of those with a disability save for their loved one's long-term financial future with some financial contributions coming directly from the government -- free money, in other words. So why are so few using the RDSP?
The risk is that a GAI would become just another program within a larger web of existing government programs. Some programs that target specific groups, particularly groups less able to work -- such as the severely disabled or the elderly -- may be difficult to consolidate into a single "one-size-fits-all" universal program like the GAI.