Canada Dental Care Plan: Understanding the Income Thresholds

The Canadian Dental Care Plan (CDCP) helps cover dental costs for eligible residents who do not have private dental insurance. Income is the central eligibility factor, but it is calculated in a specific way.

How income is measured

The plan uses adjusted family net income from your tax return, not your gross pay. That figure combines your net income with that of your spouse or common-law partner, after certain adjustments. Both of you must have filed a tax return for the previous year.

The income bands

Under the plan's published rules, eligibility and co-payments are based on adjusted family net income:

• Under $70,000: no co-payment for covered services
• $70,000 to $79,999: a 40 percent co-payment
• $80,000 to $89,999: a 60 percent co-payment
• $90,000 or more: not eligible

Always check the current figures on the Government of Canada website, as thresholds and rules can be updated.

Other eligibility rules

You must be a Canadian resident for tax purposes and must not have access to dental insurance through an employer, pension or professional association. Coverage through a provincial or territorial social program does not necessarily disqualify you.

Who counts in your household

Your household usually includes you and your spouse or common-law partner. Changes such as marriage, separation or a new child can affect your adjusted family net income and eligibility.

Tips for applying

• File your taxes on time every year
• Keep your marital status up to date with the Canada Revenue Agency
• Confirm that your dentist accepts CDCP patients
• Ask for an estimate before treatment so you know your share of the cost

Note

This article is for general information only and is not medical or financial advice.