We Welcome And Accept The Canada Dental Care Plan (CDCP) Benefits.
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The Canadian Dental Care Plan (CDCP) is a government program created to make essential dental services more accessible for Canadians who do not have private dental insurance. Launched in partnership with Sun Life in May 2024, the plan is designed to support individuals and families with annual incomes under $90,000, prioritizing those most in need. By covering key dental treatments, CDCP helps ensure that everyone has the opportunity to maintain good oral health, regardless of financial circumstances.
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.
If you do not renew by the deadline, your coverage ends on June 30, 2026. You can submit a new application later, but:
To renew your CDCP coverage, you must meet all four requirements:
This includes coverage through:
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.
You and your spouse or common-law partner must have filed your tax returns in Canada for the previous year.
Your adjusted family net income is less than $90,000 and you are a Canadian resident for tax purposes.
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.
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.
You will need to confirm or update the following for each applicant:
Choosing the right dental clinic for Canadian Dental Care Plan (CDCP) services matters, and at Smile Avenue Dentistry, we make quality care accessible and stress-free. Our experienced team provides affordable, patient-focused treatments covered by CDCP, ensuring you get the care you need without financial barriers. We offer direct billing to Sun Life, meaning no paperwork, no upfront payments, and no hassle for you. Simply present your CDCP member card at your appointment, and we handle the rest directly with Sun Life on your behalf. With a welcoming environment, modern technology, and a commitment to personalized care, we strive to make every visit smooth and comfortable. Trust us to help you maximize your CDCP benefits while keeping your smile healthy and bright.
At Smile Avenue Dentistry, we provide CDCP-covered services to help make essential dental care more accessible. The Canadian Dental Care Plan (CDCP) covers a range of oral health treatments, though some may require preauthorization based on your dental history and provider recommendations. Starting November 2024, preapproved services and treatments beyond standard frequency limits will also be available.
Here are some examples of services that may be covered under the CDCP when recommended by a dental professional:
CDCP covers:
CDCP covers:
In 2025, Orthodontic services will be covered in cases of medical need based on strict criteria. There will be a maximum spending limit for them.
Four CDCP requirements including not having private dental insurance and having a family income under $90,000.
Applications are currently open for seniors (65+), individuals with a Disability Tax Credit Certificate, and children under 18. All other eligible residents can apply in 2025.
Your Social Insurance Number (SIN), tax return assessment, and personal details.
Visit the official Government of Canada CDCP page or call the designated helpline to start your application.
To qualify for the Canadian Dental Care Plan (CDCP) in North York, you must meet all four eligibility criteria:
Applications for the Canadian Dental Care Plan (CDCP) are currently open for seniors aged 65 and older, individuals with a Disability Tax Credit certificate, and children under 18. All other eligible residents will be able to apply in 2025. If you already receive dental coverage through a government social program, you may still qualify, and your benefits will be coordinated to prevent duplication while ensuring complete coverage.
Smile Avenue Dentistry is a registered CDCP provider accepting new and existing patients in North York and Toronto. As a dentist accepting CDCP, we offer Sun Life CDCP direct billing so you never deal with paperwork. We are conveniently located on Sheppard Ave East, serving the entire Toronto area. Already enrolled? Learn everything you need to know about CDCP renewal 2026 and make sure your coverage stays active.
The Canadian Dental Care Plan (CDCP) helps reduce dental costs for eligible Canadians based on their adjusted family net income. Coverage ranges from 40% to 100% of the CDCP-approved rates, ensuring access to essential dental care with minimal financial burden.
Co-payments are the portion of dental expenses you are responsible for paying out of pocket. The amount you pay depends on your adjusted family net income and the coverage percentage provided by the Canadian Dental Care Plan (CDCP). Here’s a breakdown:
| Adjusted Family Net Income | CDCP Coverage | Co-Payment Responsibility |
|---|---|---|
| Less than $70,000 | 100% | 0% |
| $70,000 – $79,999 | 60% | 40% |
| $80,000 – $89,999 | 40% | 60% |
For more details on eligibility and services, visit the Official Canadian Dental Care Plan page or contact us at Smile Avenue Dentistry to learn how CDCP can help you get affordable dental care in North York.
Our team of highly skilled and compassionate dentists is dedicated to providing top-quality dental care. With years of experience and advanced training, we ensure every patient receives the best possible treatment in a comfortable environment.
No, CDCP is only available to Canadians without private dental insurance. If you have coverage through work, school, or a personal plan, you are not eligible for CDCP benefits.
If a treatment is not covered or partially covered, you will need to pay the remaining balance. We offer flexible payment options to help make dental care more affordable. Contact us to discuss available payment plans.
CDCP limits the frequency of certain treatments. Routine check-ups and cleanings are typically covered every 6 to 12 months, depending on your specific plan. Contact us to check your coverage details.
Low-income adults can apply for dental coverage through the Canada Dental Care Plan (CDCP) by checking their eligibility and applying online via the Government of Canada website.
Yes, eligible seniors and students can qualify for CDCP dental benefits based on their income and residency status.
No, dental implants are not covered under the Canadian Dental Care Plan (CDCP). The plan focuses on essential and preventive dental services. If you are interested in implants, our team at Smile Avenue Dentistry offers flexible payment options to make the treatment accessible. Contact us to learn more.
Orthodontic coverage under CDCP is very limited. As of 2025, orthodontic services are only covered in cases of proven medical necessity based on strict clinical criteria, and a maximum spending limit applies. Cosmetic orthodontic treatments such as routine braces or aligners are not included. Book a consultation with our North York CDCP dentist to find out if you qualify.
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