I think I would just go back to my original point, which is that with Bill C-59, the measure that allows siblings to become successor holders is temporary. It would be great if that were a permanent provision, because that just makes the administration simpler, more flexible and more streamlined for families. Access to the RDSP is contingent on the disability tax credit. Expanding access to the disability tax credit is something that I think could potentially happen over time and that I would like to see.
Disabilities that are episodic in nature are particularly tricky. The impacts on people are devastating. I will give one example to help illustrate my point. I have a client who has a severe migraine disorder. She has maybe five good days a month, but she doesn't know when those good days are going to be.
Thanks to the expanded access for mental health issues, which was very recent, she was able to get access to the disability tax credit, which has enabled her to open up an RDSP. That has been fantastic. If she gets even a little better, she may lose access to that disability tax credit, so she is caught in a loophole. If she gets even a little better, she may no longer meet the threshold even though this is an absolutely devastating disability in which she spends most of her days feeling like her head is in a vise. She needs help.