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Do you qualify

To qualify for the Canadian Dental Care Plan (CDCP), you must meet all the eligibility criteria. If you have a spouse or common-law partner, you both need to meet the eligibility criteria to be able to qualify for the CDCP. Eligibility for children under 18 will be determined by the parents’ or guardians’ eligibility.

Eligibility criteria

To qualify for the CDCP, you must:

  • Not having access to dental insurance is defined as:

    • no dental insurance through your employer or a family member’s employer benefits, including health and wellness accounts;
    • no dental insurance through your pension (previous employer) or a family member’s pension benefits; or
    • no dental insurance purchased by yourself or by a family member or through a group plan from an insurance or benefits company.

You need to meet all the eligibility criteria to qualify for the CDCP.

What is adjusted family net income
  • Your family net income (line 23600 of your tax return plus line 23600 of your spouse's or common-law partner's tax return, and any world income not reported in a tax return to the CRA, such as by a new resident)
  • Minus any universal child care benefit (UCCB) and registered disability savings plan (RDSP) income received (line 11700 and line 12500 of your or your spouse's or common-law partner's tax return)
  • Plus any UCCB and RDSP amounts repaid (line 21300 and line 23200 of your or your spouse's or common-law partner's tax return)
  • equals adjusted family net income

If you have dental coverage through government social programs

Canadian residents who have access to dental coverage through a social program offered by a province or territory and/or the federal government can still qualify for the CDCP if they meet all the eligibility criteria. In that case, coverage will be coordinated to ensure no duplication and avoid gaps in oral health care.

If you provide false information in relation to an application to the CDCP, you may be removed from the plan. If you or your family members were not eligible to apply, you or your family member may have to repay the cost of care received through the CDCP.

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