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Do you qualify

To qualify for the Canadian Dental Care Plan (CDCP), you must meet all the eligibility criteria.

Eligibility criteria

To qualify for the CDCP, you must:

  • What counts as access to dental insurance?

    "Access to dental insurance" means access to any type of dental insurance or coverage through other channels, such as:

    • through your employer or a family member’s employer benefits, including health and wellness accounts
    • through your pension (previous employer) or a family member’s pension benefits
      • this includes federal, provincial and territorial government pension plans
    • through a professional or student organization
    • purchased by you or a family member or through a group plan from an insurance or benefits company

    You’re still considered to have access to dental insurance if you choose to opt out of available benefits like these.

  • 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

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 meet all the eligibility criteria, your coverage will be coordinated between the plans to ensure there are no duplication or gaps in coverage.

If you provide false information on your application, you and others you applied for 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 full cost of care received through the CDCP.

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