Thank you very much for your question.
It's a problem I'm quite familiar with, and I am deploying major efforts to solve it.
The RDSP has been a game-changer for the financial security of Canadians with disabilities. It has just passed its 10th year, and certainly, in conjunction with the disability tax credit, it could benefit from an updating. That's what we've started. We started it at the CRA on the side of tax policy, with the minister reconstituting the disability advisory committee. Its report is coming out very soon on how we can better serve Canadians through the DTC and related tax measures. Then we recognized that in the meantime, we could address things going on with the RDSP proper. We know that many Canadians who qualify for the DTC do not avail themselves of it, and we're looking to figure out why that is. Is it the group to whom it's targeted? Are there barriers implicit in the program itself? We're looking at that.
I'd say we've made three changes. The first happened several years ago through our government. We made it possible for nurse practitioners to fill out the forms related to qualification for the DTC. That too was a game-changer for many communities that don't have access to doctors or couldn't afford the cost of filling out a form, which again, is a barrier we need to address.
Then this year we made two changes to the RDSP specifically. The first has to do with repayment of grants and bonds when someone no longer becomes eligible for a DTC. We heard loud and clear from the community that was unfair. When they qualified for DTC, they got those grants and bonds. They felt it unfair to have to repay them if they became ineligible, so we've changed that. That will particularly help Canadians with episodic disabilities.
The second one has to do with bankruptcy and protecting RDSPs from seizure in bankruptcy, as RRSPs are.
We're also targeting women with disabilities who qualify for the DTC. Again, I share your concern that the DTC, as a non-refundable tax credit, has limits, because it doesn't benefit those Canadians with disabilities who don't work. We are working with provinces on awareness campaigns. CRA has sent out letters to every eligible Canadian who qualifies for a DTC to raise awareness about the RDSP. We're doing targeted campaigns and outreach within disability communities. We're holding awareness days where people can come in to see if they qualify for this. We're working with banks to see if there's an option for some kind of auto-enrollment.
There's a lot on the table. It's a bit premature for me to tell you much more than that, but I can assure you this issue is one of my pressing top-of-mind, not-so-secret, secret objectives that I want to fix.