I have low or no income, can I still qualify?

Yes. If you have a low income, you can still qualify for the disability tax credit and Registered Disability Savings Plan (RDSP). In order to make use of the non-refundable tax credits you will need to transfer your credits to a family member, if possible. Once approved for the Disability Tax Credit and RDSP, low income individuals are also eligible for a government bond of $1,000 a year, for up to twenty years ($20,000).