The Canadian Dental Care Plan (CDCP) in Toronto
At Park Dental, we’re proud to support the Canadian Dental Care Plan (CDCP) in Toronto, a federal program designed to make dental care more affordable for Canadians who don’t have private insurance.
The CDCP helps improve oral health across the country by covering a wide range of essential dental services for eligible residents. If you live in or near Christie Pits, you may qualify to receive dental care at little to no cost.
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CDCP Renewals are Open
CDCP Renewals are open for the 2026-2027 benefit year from April 15 to June 1, 2026. Your current coverage is effective until June 30, 2026, but will end on that date if you do not renew in time.
As a CDCP member, you must renew your coverage every year to confirm you still meet the eligibility requirements.
Renewing your Coverage after the Renewal Period
If you do not renew by the deadline, your coverage ends on June 30, 2026. You can submit a new application later, but:
- There will be a gap in your coverage until it is approved again.
- Dental care received during this gap will not be covered or reimbursed.
Who Can Renew:
To renew your CDCP coverage, you must meet all four requirements:
No Access to Private Dental Insurance
This includes coverage through:
- Employer or family member benefits (including health and wellness accounts).
- Pension plans (including federal, provincial, and territorial government employer pension plans).
- Professional or student organizations.
- Insurance purchased by you, a family member, or through a group plan.
Note: This applies even if you decide not to take it, have to pay a premium, or do not use it.
Retirement Exception: You may be eligible if you’re retired and you opted out of your dental insurance through your pension plan before December 11, 2023, and cannot opt back in.
Tax Returns
You and your spouse or common-law partner must have filed your tax returns in Canada for the previous year.
Income and Residency
Your adjusted family net income is less than $90,000 and you are a Canadian resident for tax purposes.
If you Have Dental Coverage Through Government Social Programs
If you have coverage through a provincial, territorial, or federal government social program, you could still qualify. Your coverage will be coordinated between the plans to avoid duplications or gaps.
Eligibility Review
You must attest that you do not have access to dental insurance. The CDCP verifies this by reviewing tax records (T4/T4A) submitted by employers or pension plan administrators.
If you provide false information, you and your family may be removed from the plan.
If found ineligible, you will be required to repay any amounts claimed for services.
What you Need to Renew
You will need to confirm or update the following for each applicant:
- Social Insurance Number (SIN)
- CDCP member ID
- Full name and Date of birth
- Home and mailing address
- List of government dental
- coverage (if applicable)
- Confirmation that your
- previous year’s tax returns were filed
Do You Qualify for Dental Benefits?
Income Level
Your adjusted family net income must be below $90,000. This is based on your most recent tax return (line 23600, minus certain deductions like child care benefits). Lower incomes mean lower or no co-payments.
Residency & Taxes
You must be a Canadian resident for tax purposes and have filed your most recent income tax return (for 2024 taxes by April 2025). If you have a spouse or common-law partner, they must file too.
No Other Insurance
You cannot have access to private dental insurance, employer plans, or group coverage (even if you opt out). However, if you have coverage through a government social program, you may still qualify; the CDCP will coordinate with it.
What our Patients say
The CDCP’s Phased Rollout Schedule
Seniors (Aged 70+)
Applications opened May 2023; 65-69 in May 2024. Coverage started as early as July 2023.
Disability Tax Credit Holders
Applications began June 27, 2024, for those with a valid Disability Tax Credit (DTC) certificate.
Children & Youth (Under 18)
Applications opened June 27, 2024. Parents or guardians apply on their behalf.
All Other Residents (Aged 18-64)
Applications opened in May 2025, with coverage starting as early as June 1, 2025.
How to Apply for the CDCP in Toronto: A Simple Step-by-Step Guide
Confirm you meet the requirements above. Have your 2024 Notice of Assessment ready (file taxes if you haven't).
Gather the required documents, including SIN, tax filing confirmation, and proof of any government social dental coverage (if applicable). No private insurance proof needed; you declare it.
Submit your application through the official CDCP portal.
Watch for confirmation from Sun Life, the plan administrator.
Receive your welcome package, including your CDCP member card and start date.
CDCP Covered Services: What's Included in Your Plan?
- Preventive Care: Cleanings, exams, and X-rays.
- Restorative Care: Fillings and crowns.
- Endodontics: Root canal treatments.
- Prosthodontics: Dentures (full or partial).
- Oral Surgery: Extractions (including wisdom teeth).
- Periodontal Care: Scaling and root planing.
- Limited Orthodontics (starting 2025, date TBD): Medically necessary braces or aligners.
Your Costs Explained: Co-payments and Preauthorizations
- Under $70,000: 0% co-payment (CDCP covers 100% of eligible fees).
- $70,000-$79,999: 40% co-payment.
- $80,000-$89,999: 60% co-payment.
How to Use Your CDCP Benefits: Finding a Dentist & Booking an Appointment
Step 1: Find a Participating Provider with the Sun Life Tool
Tip: Call ahead to check availability for CDCP patients. Ask about wait times and services offered.
Step 2: Your Pre-Appointment Checklist
