Canada Revenue Agency
www.cra.gc.ca
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Questions and answers about Line 208 - RRSP deduction
My deduction limit is zero. Can I use my spouse's limit to contribute to my own or a spousal RRSP? Can I still claim the deduction?
No. RRSP deduction limits are not transferable, so you cannot make any contribution or claim any deduction based on your spouse's RRSP deduction limit.
The company I work for contributes to an RRSP for me. I get the receipt at the end of the year. Can I deduct it? How do I do that?
If you have received any official contribution receipts, you may claim these as a deduction at line 208 of your return up to your RRSP deduction limit.
My mother will be turning 71 next week and she has not deducted all of her RRSP contributions. Can she deduct what she has already contributed? Dad is 75, so he can't use it.
As long as your mother's RRSP deduction limit is equal to or greater than the undeducted contributions, she can deduct unclaimed contributions on her return.
If she wants to deduct the unclaimed contributions on a return for a previous year, she can request a change using My Account, based on the allowable deduction limit for the applicable year(s). She can also call 1-800-959-8281 or write to request changes.