Renew your Canadian Dental Care Plan coverage

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Renewals are open

  • Existing members can renew their coverage for the 2026-2027 benefit year from April 15 to June 1, 2026. Your current coverage is still effective until June 30, 2026, but will end on that date if you do not renew in time.

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Renewing your coverage

The Canadian Dental Care Plan (CDCP) provides coverage over a single benefit period up to June 30, 2026. As a CDCP member, you must renew your coverage every year to confirm that you still meet the eligibility requirements.

Renewing your coverage after the renewal period

If you do not renew during the renewal period, your CDCP coverage will end on June 30, 2026. You can submit a new application after that period, but there will be a gap in your coverage until it is approved again.

Dental care received during this gap will not be covered nor reimbursed retroactively.

Who can renew

To renew your CDCP coverage, you must meet all four 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.
    How employers and pension plan administrators report access to dental insurance

    If you receive a pension, look at box 015 on your T4A tax slip.

    • 1 in this box means you do not have access to dental insurance through your pension
    • 2, 3, 4, or 5 means you do have access to dental insurance
      You are considered to have access even if you have to pay for it, don’t use it, or previously opted out but can opt back in

    If you are working, employers use the same codes (1-5) in box 45 of the T4 tax slip.

    Before you attest in your CDCP application or renewal that you do not have access to dental insurance, you should always check the code shown on your tax forms.

    If you apply for the CDCP and your T4 or T4A slip shows that you had access to dental insurance, you may be asked to provide proof that you are no longer covered. This may be required even if your situation has changed or if the information on your tax slip was incorrect.

    If your attestation is not accurate and it is determined that you have access to dental insurance, you will be removed from the plan and will have to repay any amounts claimed for services provided to you under the plan during the time you were not eligible.

    Exception: You may be eligible for the CDCP if you're retired and:
    • you opted out of your dental insurance or coverage through your pension plan 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

If you have dental coverage through government social programs

If you have dental coverage through a provincial, territorial or federal government social program, you could 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 when they renew that they do not have access to dental insurance.

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.

The CDCP member eligibility review process allows us to verify the accuracy of these attestations by reviewing documentation, such as tax records (T4/T4A) submitted by employers or pension plan administrators, to demonstrate that CDCP members do not have access to dental coverage.

What you need to renew

You'll need to confirm or update the following information for each applicant, and your spouse or common-law partner (if you have one):

Renew online

Use My Service Canada Account

Follow these steps:

  1. Sign in or create a My Service Canada Account (MSCA) profile using the green button below.
  2. Once signed in to MSCA, the Canadian Dental Care Plan is shown at the top of the page on your MSCA dashboard.
  3. Click on "Renew your Canadian Dental Care Plan coverage" and follow the instructions.
Renew using MSCA

Note: Select "digital" as your communications preference to receive email notifications. You can also access CDCP letters through MSCA. By signing up, you'll get important updates in one place, faster than waiting for letters in the mail.

If you can't use MSCA

Renew using Canada.ca

Renew by phone

If you can't use MSCA or canada.ca to renew, call Service Canada at 1-833-537-4342. For TTY, call 1-833-677-6262.

If someone is helping you renew

You can ask someone you trust or a delegate to help you renew your coverage for the CDCP. You must be able to give clear consent, during the call, that you agree to let them help you.

Beware of scams

The CDCP will never ask you to pay to apply or renew your coverage. Be careful of scams sent by mail, phone calls, text messages, or emails that ask for your personal, banking or credit card information. Watch out for ads and pop-ups that take you to websites that are not Government of Canada ones.

If you are concerned about the legitimacy of any CDCP communication, please contact us.

Learn more about how to protect yourself against scams and to recognize Government of Canada websites.

After you renew

In this section:

Check the status of your renewal

You can check the status of your CDCP renewal for yourself and your dependants in two ways:

Note: If your child does not have a Social Insurance Number, you cannot use the automated phone service to check their status. You must speak with a representative or use the online tool

Information you need to check your status

You need the following information for each person you are checking:

  • application code or client number (member ID), which is:
    • the number you received after applying online or by phone; or
    • the number in the right-hand corner of the CDCP letter you received from Service Canada by mail or in MSCA; or
    • the number on the front of your CDCP membership card
  • Social Insurance Number (SIN):
    • if a child doesn't have a SIN, you must provide their full name and date of birth

View and update your CDCP information

Make sure your information stays accurate.

Before getting care

Before you seek and get care from an oral health care provider, make sure you understand your CDCP coverage.

Find an oral health provider

If you don't already have a provider, you can talk with one in your community or consult Sun Life's CDCP Provider Search.

You can also call the Sun Life CDCP Contact Centre at 1-888-888-8110 for help.

Depending on the type of oral health care you need, you may wish to seek treatment from an independent dental hygienist, a denturist, a dentist and/or a dental specialist, including those in dental school clinics.

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2026-04-24