First I will start by asking you; do you believe that if a non-disabled person marries someone with a disability that they should be able to save for their retirement? You may answer this question with a yes - absolutely, but yet again the Ontario government would say no. Unfortunately rules set out by the Ontario government that govern the Ontario Disability Supports Program forbid non-disabled spouses from saving for their retirement. You see here in Canada if someone wishes to save for their retirement they get something known as a Registered Retirement Savings Plan - also known as an RRSP. Currently the only way for a non-disabled spouse of someone on ODSP to be allowed to have an RRSP is if it is locked in by their employer, this means that they would only be unable to access the funds when they reach the age of 65. Sadly here in Canada a large majority of employers don’t offer locked in RRSP’s. This means that non-disabled spouses of those on ODSP who work and whose employers don’t offer locked in RRSP’s as an option are unable to save for their retirement. It may come as a surprise but this would mean that anyone who marries someone with a disability who relies on ODSP in Ontario will reach the age of 65 with no retirement savings. So I have to ask the question; shouldn’t everyone even those who start a relationship or marry someone with a disability on ODSP still have the right to save for their retirement?
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After all on the Ontario.ca webpage she has made this promise to the residents of Ontario: “Our government will build Ontario up. Ontario will be the best place to live, from childhood to retirement.” She may need to be reminded that it is time that this actually became a reality.