It's time to interrupt the 2009 RRSP/TFSA sell-a-thon for a moment to provide some exposure to a worthy but overlooked new program called the registered disability savings plan.

RDSPs are a tax-sheltered savings tool that disabled people can use themselves, or through parents or legal guardians. Friends and family can help out with RDSPs, too, by making contributions.

Obviously, the core audience for RDSPs isn't close to what it is for the registered retirement savings plan or the just-introduced Tax-Free Savings Account. Still, there are estimates that as many as 500,000 Canadians with disabilities could benefit from the RDSP.

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