The Government of Ontario asked the LCO to review how adults with disabilities can more easily participate in the Registered Disability Savings Plan (RDSP). The RDSP helps people with disabilities save for long-term financial security through personal contributions and government grants.<\/p>\n\n\n\n
Adults can normally open and manage their own RDSP. But if there are concerns about an adult\u2019s legal capacity to enter into a contract with a financial institution, someone else must act as the plan holder. Under current Ontario law, this usually requires a guardian or attorney appointed under the Substitute Decisions Act, 1992<\/em>\u2014a process many adults and families find too broad, costly, or complex when the only need is support with the RDSP.<\/p>\n\n\n\n The federal government temporarily allowed certain family members to act as plan holder through a simpler process and asked provinces to create permanent solutions. The LCO\u2019s project explored how Ontario could develop a streamlined way for adults to appoint an \u201cRDSP legal representative\u201d with limited powers, strong safeguards, and an easier, more accessible process.<\/p>\n\n\n\n Through consultations with adults with disabilities, families, community groups, financial institutions, and legal experts, the LCO developed recommendations that balance autonomy, protection from financial abuse, and administrative simplicity.<\/p>\n\n\n\n The Advisory Committee members were:<\/p>\n\n\n\n The LCO made recommendations to create a simpler, safer, and more flexible system for appointing someone to help manage an RDSP. Key reforms include:<\/p>\n\n\n\n These reforms aim to make the RDSP more accessible while balancing autonomy, safety, and administrative simplicity for adults with disabilities and their families.<\/p>\n\n\n\nAdvisory Committee<\/summary>\n
\n
<\/div><\/div>\n\n\n\nKey Recommendations<\/h2>\n\n\n\n
1. Creating a streamlined RDSP legal representative role<\/h3>\n\n\n\n
\n
2. Establishing clear powers, safeguards, and eligibility rules<\/h3>\n\n\n\n
\n
3. Improving protections around RDSP payments<\/h3>\n\n\n\n
\n
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