Pensioners’ Dental Services Plan summary

This is a summary of the Pensioners' Dental Services Plan (PDSP) offered to eligible retired members of the public service or of a participating agency or entity. It does not contain all details or describe all limits, restrictions or exclusions. For additional information, please refer to the Member Booklet or the PDSP - Rules or contact the Government of Canada Pension Centre.

The PDSP is designed to cover specific dental services and supplies that are not covered under your provincial/territorial health care or dental care plan. It is contributory and is completely separate from the dental care plan for public service employees.


  • Optional coverage for:
    • Pensioners (including survivors) receiving an immediate ongoing pension, annuity or allowance – some restrictions apply.
    • Eligible spouse or common-law partner and eligible dependant children of pensioner members (including survivors)

Enrolment and Effective Date

  • To apply for coverage, you must submit a signed application form, available from the Government of Canada Pension Centre.
    • If your completed application is sent within 60 days of your pension effective date, coverage takes effect on that date.
    • If your completed application is received more than 60 days after your pension effective date, coverage takes effect on the 1st day of the 2nd month following receipt of your application.


  • $25 per person, up to $50 per family per calendar year

Reimbursement Percentage (after deductible)

  • Basic services: 90%
  • Major services and orthodontics: 50%

Dental Fee Guide

  • Previous year's dental fee guide for the province or territory where the services are rendered


  • Provisions for services rendered in Alberta
  • Provisions for services rendered outside of Canada

Maximum Reimbursement

  • Basic and Major dental expenses: $1,500 per calendar year per covered person ($750 during first year if coverage takes effect on or after )
  • Orthodontics: Lifetime maximum $2,500 per covered person

Eligible Expenses

Basic Services (90%)

  • Examination and diagnosis (recall oral examination limited to once every 9 months)
  • Routine preventive services (dental cleaning, polishing and fluoride application limited to once every 9 months; oral hygiene instruction limited to once per calendar year)
  • Minor restorative
  • Endodontics (root canal)
  • Periodontics (treatment of gum disease)
  • Minor prosthodontic services (repairs, adjustments, rebasing and relining of removable dentures once every 36 months)
  • Oral surgery
  • Adjunctive services (anaesthesia in connection with oral surgery and emergency services)

Major Services (50%)

  • Major restorative services (crowns once every 60 months, inlays)
  • Complete or partial dentures, fixed bridges (existing appliance must be at least 5 years old and not serviceable)

Orthodontics (50%)

  • Orthodontics Services

Cost Sharing / Contributions

  • You and the Government of Canada equally share the cost of this coverage

Coordination of Benefits

  • If you and a family member are covered under more than one group dental plan, you may coordinate benefits up to 100% of the actual eligible expenses.
  • There is no coordination of benefits between members of the Pensioners' Dental Services Plan (PDSP).

Coverage Ends Automatically

  • When the member and/or dependant dies or is no longer eligible.
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