I want to add that the government makes contributions in the form of grants and bonds. I represented an individual with autism in a Tax Court case. He had $58,000 in a registered disability savings program. He had been getting the DTC since 1990, and then he was denied in 2015. How crazy is that? Anyway, the government does not only claw back contributions. During all that time he was disabled, any interest income he made in that plan will be taxed the year the plan is closed. This is double jeopardy. Fortunately, the tax court recognized that this was crazy.
This is happening. Ever since the RDSP, if you look at the statistics, it's more and more difficult to get the DTC.