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Do you qualify

Eligibility requirements

To qualify for the Canadian Dental Care Plan (CDCP), you must meet all 4 requirements:
    • your employer benefits or a family member’s employer benefits, including health and wellness accounts;
    • your pension plan or a family member’s pension plan, including federal, provincial and territorial government employer pension plans;
    • a professional or student organization; or
    • insurance purchased by you, a family member or through a group plan from an insurance or benefits company.
  • This applies even if you decide not to take it, have to pay a premium for it, or do not use it.
    Exception: You may be eligible for the CDCP if you're retired and:
    • you opted out of pension benefits before December 11, 2023, and
    • you can not opt back in under the pension rules.
  • What is an 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)
    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

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

If you have dental coverage through government social programs

If you have dental coverage through a provincial, territorial or federal government social program, you can still qualify for the CDCP. If you qualify, your coverage will be coordinated between the plans to make sure there are no duplication or gaps in coverage.

Eligibility review

To be eligible for coverage under the CDCP, applicants must attest every year that they do not have access to private dental insurance. The Member eligibility review process allows Health Canada to verify the accuracy of these attestations. If you provide false information on your application, you and your family may be removed from the plan. If you are found to be ineligible for the CDCP, you will be required to repay any amounts claimed for services provided to you under the plan.

Learn more about the member eligibility review process.

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