The Canadian Dental Care Plan (CDCP) is income-tested, meaning your household income directly affects whether you qualify — and how much coverage you’ll receive.
Here’s how income eligibility works for CDCP as of 2025:
✅ Who Qualifies?
To be eligible, you must:
- Have no access to private dental insurance
- Be a Canadian resident
- File your taxes for the most recent year
- Have a family net income under $90,000 (as reported to CRA)
💰 Coverage Tiers by Income
- $70,000 or less: 100% covered
- $70,000–$79,999: 60% covered
- $80,000–$89,999: 40% covered
- $90,000+: Not eligible
The income threshold is based on your most recent tax return and applies to family income (not just individual income).
📌 Tips for Determining Eligibility
- Use your CRA My Account to check your net income
- Keep your taxes filed and up to date
- If applying for a child, the parent/guardian’s income is considered
Still Not Sure If You Qualify?
We can help check your eligibility and walk you through the CDCP application.
👉 Call us or visit today — we’ll help you get started with confidence.