# Will RDSP income be deducted from LTD? **URL:** \ **Category:** Disability Insurance\ **Created:** [July 30, 2017, 2:23pm UTC](https://forum.resolutelegal.ca/t/will-rdsp-income-be-deducted-from-ltd/471 "2017-07-30T14:23:13Z")\ **Posts on this page:** 9\ **Page:** 1
**Author:** ![jammer](https://avatars.discourse-cdn.com/v4/letter/j/df705f/32.png) [@jammer](https://forum.resolutelegal.ca/u/jammer)\ **Post date:** [July 30, 2017, 2:23pm UTC](https://forum.resolutelegal.ca/t/will-rdsp-income-be-deducted-from-ltd/471/1 "2017-07-30T14:23:13Z")
Does anyone know if RDSP income will be deducted from LTD? The law requires a person to start withdrawing from it at age 60. ---
**Author:** ![David\_Brannen](https://sea1.discourse-cdn.com/flex019/user_avatar/forum.resolutelegal.ca/david_brannen/32/2_2.png) [@David\_Brannen](https://forum.resolutelegal.ca/u/David_Brannen)\ **Post date:** [August 1, 2017, 3:07pm UTC](https://forum.resolutelegal.ca/t/will-rdsp-income-be-deducted-from-ltd/471/2 "2017-08-01T15:07:12Z")
It would have to be specified in your policy for this to be deductible. There is no general rule, depends on your policy wording. ---
**Author:** ![jammer](https://avatars.discourse-cdn.com/v4/letter/j/df705f/32.png) [@jammer](https://forum.resolutelegal.ca/u/jammer)\ **Post date:** [August 1, 2017, 3:26pm UTC](https://forum.resolutelegal.ca/t/will-rdsp-income-be-deducted-from-ltd/471/3 "2017-08-01T15:26:55Z")
It is not mentioned in my benefit booklet (I don’t have the actual policy). What is the chance my caseworker would tell me it is deductible and not really check? Not lie, just “assume” all income is deductible. ---
**Author:** ![David\_Brannen](https://sea1.discourse-cdn.com/flex019/user_avatar/forum.resolutelegal.ca/david_brannen/32/2_2.png) [@David\_Brannen](https://forum.resolutelegal.ca/u/David_Brannen)\ **Post date:** [August 1, 2017, 3:35pm UTC](https://forum.resolutelegal.ca/t/will-rdsp-income-be-deducted-from-ltd/471/4 "2017-08-01T15:35:32Z")
> [@jammer](#): > > What is the chance my caseworker would tell me it is deductible and not really check? > > Not lie, just “assume” all income is deductible. My experience is just what you suggest… there is often a lot of “assuming” going on that is based on honest beliefs, but just pain wrong – this applies to both sides, including sometimes even lawyers who should know better. I can’t conceive of a situation where an RDSP is deductible, but I have learned never to say never when it comes to insurance policies. ---
**Author:** ![jammer](https://avatars.discourse-cdn.com/v4/letter/j/df705f/32.png) [@jammer](https://forum.resolutelegal.ca/u/jammer)\ **Post date:** [August 1, 2017, 3:44pm UTC](https://forum.resolutelegal.ca/t/will-rdsp-income-be-deducted-from-ltd/471/5 "2017-08-01T15:44:38Z")
If they say RDSP income is deductible do I either accept what they say or hire a lawyer? Is there any other option? ---
**Author:** ![David\_Brannen](https://sea1.discourse-cdn.com/flex019/user_avatar/forum.resolutelegal.ca/david_brannen/32/2_2.png) [@David\_Brannen](https://forum.resolutelegal.ca/u/David_Brannen)\ **Post date:** [August 1, 2017, 3:47pm UTC](https://forum.resolutelegal.ca/t/will-rdsp-income-be-deducted-from-ltd/471/6 "2017-08-01T15:47:09Z")
Get a legal opinion on whether they are right. If you are confident they are wrong, then do normal internal appeals steps and sue them if it makes sense to do so. ---
**Author:** ![jammer](https://avatars.discourse-cdn.com/v4/letter/j/df705f/32.png) [@jammer](https://forum.resolutelegal.ca/u/jammer)\ **Post date:** [August 2, 2017, 4:32pm UTC](https://forum.resolutelegal.ca/t/will-rdsp-income-be-deducted-from-ltd/471/7 "2017-08-02T16:32:45Z")
Thanks David, It won’t be an issue for a while. 🙂 ---
**Author:** ![Elaine](https://avatars.discourse-cdn.com/v4/letter/e/439d5e/32.png) [@Elaine](https://forum.resolutelegal.ca/u/Elaine)\ **Post date:** [August 3, 2017, 7:36pm UTC](https://forum.resolutelegal.ca/t/will-rdsp-income-be-deducted-from-ltd/471/8 "2017-08-03T19:36:19Z")
Whether RDSP wirhdrawals are deducted from LTD payments will depend on the wording of your policy. My question is related to RDSP and GIS. For example, you’ve been saving in RDSP account for 30 years. At age 60 you retire and receive Old Age Security. I know RDSP withdrawals won’t affect OAS. But will they affect GIS (Guaranteed Income Suplement)? ---
**Author:** ![allyoops](https://avatars.discourse-cdn.com/v4/letter/a/919ad9/32.png) [@allyoops](https://forum.resolutelegal.ca/u/allyoops)\ **Post date:** [August 4, 2017, 12:22am UTC](https://forum.resolutelegal.ca/t/will-rdsp-income-be-deducted-from-ltd/471/9 "2017-08-04T00:22:57Z")
The RDSP doesn’t affect most Income Benefits Best of all, an RDSP will not affect most income benefits. This means that when the beneficiary receives a withdrawal from their RDSP, neither provincial disability benefits nor federal benefits such as Canada Pension Plan – Disability, Old Age Security payments and the Guaranteed Income Supplement, will be affected. source [http://rdspresource.ca/index.php/rdsp/](http://rdspresource.ca/index.php/rdsp/)