If your household income changes after you’ve applied for the Canadian Dental Care Plan (CDCP), it could affect your eligibility or coverage level — but not immediately.
Here’s how income changes are handled:
💼 CDCP Uses Your Last Tax Return
The CRA determines eligibility and co-payment levels using your most recent filed tax return (e.g., 2024 income for 2025 benefits).
So if your income increases or decreases during the current year:
- It won’t affect your current CDCP coverage
- It may impact your benefits when the plan renews the following year
📅 When CDCP Updates Your Info
Eligibility is re-evaluated annually based on your tax return.
Any change in coverage tiers (100%, 60%, 40%) starts the next benefit year.
📌 Important Notes
- You don’t need to report mid-year income changes to CDCP.
- Keep filing your taxes on time to stay eligible.
- If you become eligible for private insurance (e.g., through work), you must inform CDCP.
Not Sure How Your Income Affects Your Plan?
We’ll explain how coverage tiers work and help you stay up to date with your eligibility.