Canadian Dental Care Plan (CDCP)

FederalHealthChecked October 2, 2026

The Canadian Dental Care Plan helps pay for dental care for people without dental insurance. Families earning under $90,000 a year may qualify.

How much

No cash payment. The plan pays part of the cost of covered dental services; a co-payment may apply depending on family income.

When it's paid

Paid directly to participating dental providers when you get care.

Who qualifies

You have no access to dental insurance through work, pension or other private plans
Adjusted family net income is under $90,000
You (and your spouse/partner) filed a tax return for the previous year
You are a resident of Canada for tax purposes

How to apply

Check the eligibility rules on canada.ca
Apply online, by phone or with a paper form through Service Canada
Once enrolled, you receive a welcome package from the plan's insurer
Confirm your provider accepts CDCP before treatment
Re-confirm each year that you still lack private dental coverage

What to have ready

Social Insurance Number
Previous year's tax return filed
Spouse/partner details
Dependent children's information

Common mistakes to avoid

Applying while having access to an employer dental plan
Not filing a tax return
Assuming all services are fully covered with no co-pay

Still being confirmed: Co-payment tiers and current application channels/age groups were not re-confirmed in this check. Check the official page for the latest details.

Official sources

Last checked against these pages on October 2, 2026.

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BenefitCanada is independent and not affiliated with any government. This guide summarizes official sources in plain language; rules and amounts change, so always confirm on the official page before applying.