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Who can be a plan holder?
The person with the disability can open an RDSP and be sole owner if they have reached the age of majority and can legally manage their finances. If the beneficiary is a minor or not legally competent, a qualified plan holder, who does not have to be a Canadian citizen, can be —
•A legal parent, guardian, tutor or curator of the beneficiary
•An individual who is legally authorized to act on behalf of the beneficiary
•A public department, agency or organization that is legally authorized to act on behalf of the beneficiary
If the holder is not the beneficiary, the holder does not have to be a resident of Canada, but must have a valid Social Insurance Number (SIN) or Business Number (for public departments, agency or organization).
Please note that the answers to the questions are for information purposes only for the products discussed. Individual circumstances may vary. In case of discrepancy, the documentation prevails.