I will start by answering your first question. There are of course cases where a doctor does not want to state how long they think an individual has to live. However, there are cases where such an opinion can be given, where it would be possible for beneficiaries of a registered disability savings plan to have access to their savings.
Currently, there is a penalty. The plan is designed so that the beneficiary can receive the money in the future. A provision requires that beneficiaries who withdraw a certain amount of money repay the government all the grants they received over the last 10 years.
That provision enables the beneficiary to withdraw money from the plan during those five years. However, there is no penalty if the beneficiary does not die. Of course, government grants and contributions must cease during that period, but there is a provision that covers a change in the beneficiary's situation. Beneficiaries can change the plan's status, resume contributions and receive government grants in the future.