Canadian Dental Care Plan
CDCP
The Canadian Dental Care Plan (CDCP) is a federal program that helps cover the cost of oral health care services for eligible Canadian residents who do not have access to private dental insurance. Coverage includes a range of services such as cleanings, fillings, dentures, and other routine dental care, with costs shared based on your income.
Useful Tips for Applying
Check box 45 on your T4 (or box 015 on your T4A) before applying — a code of 1 means you do not have access to dental insurance through work or a pension plan, which supports your application. If your only coverage is through a provincial or federal government program, you may still be eligible and the plans will coordinate coverage.
Who May Qualify
You may qualify if you meet all four requirements: you have no access to private dental insurance (through your work, a pension plan, a family member's plan, or coverage you bought yourself); you and your spouse (if applicable) have filed your Canadian tax return; your adjusted family net income is less than $90,000; and you are a Canadian resident for tax purposes. You can still qualify if your only dental coverage is through a government social program.
Required Documents
Your notice of assessment (to confirm family income), a valid government-issued ID, and your Social Insurance Number (SIN). You will need to confirm on your application that you have no access to private dental insurance.
How to Apply
Apply online through the Government of Canada's Canadian Dental Care Plan page, by phone, or in person at a Service Canada location. You must confirm each year that you still have no access to private dental insurance when you renew.
Common Mistakes to Avoid
The most common mistake is assuming you cannot apply because you have a government social program dental plan — you may still qualify. Another is not realizing that having any private dental insurance, even if you have never used it or pay a premium for it, makes you ineligible. Forgetting to file your tax return before applying will also delay or prevent coverage.
Preparing an application?
The Application Helper walks you through each question on this benefit's form in plain language.
You may also be eligible for…
CPP Children's Benefit
A monthly payment to the dependent children of someone receiving the Canada Pension Plan (CPP) disability benefit, or of a deceased CPP contributor.
View detailsRogers Connected for Success
A Rogers program offering high-speed, low-cost internet, TV, and mobile plans to individuals receiving various forms of government income support. A carrier-administered complement to the federal Connecting Families initiative.
View detailsConnecting Families Initiative
A Government of Canada program that partners with Internet Service Providers to offer low-cost home internet plans to eligible low-income families and seniors. Helps bridge the digital divide for households that may otherwise be unable to afford reliable internet access.
View detailsApplication denied?
If your application is turned down, the Appeals Guide explains filing deadlines, escalation levels, and where to find free legal and advocate help.
Resources in this area
DTC Help by BJ Clancy
DTC Help by BJ Clancy is an independent Facebook resource focused on Canada's Disability Tax Credit (DTC). In addition to sharing information and answering questions about the DTC, BJ Clancy can help people understand and work through the DTC application forms and process. The page also provides a space for people to ask questions and discuss their experiences with the Disability Tax Credit. Independent resource. Not affiliated with the Canada Revenue Agency or the Government of Canada.
View details Financial AssistanceRDSP Connect
RDSP Connect is a private service that helps people understand Registered Disability Savings Plan (RDSP) eligibility and navigate the RDSP process. Services include a free consultation to review eligibility, help completing the documentation to open an RDSP, and ongoing support with planning contributions and investments with the goal of maximizing Canada Disability Savings Grants and Bonds. Each year, RDSP Connect reviews the client's Grant and Bond Entitlement Statement with them, and can point people to resources for Disability Tax Credit (DTC) questions. RDSP Connect is not a government service and is not affiliated with the Government of Canada or with Accessible Compass. This listing is for information only — it is not an endorsement, and Accessible Compass does not guarantee any outcome, including DTC or RDSP approval or any financial result.
View details Financial AssistanceSlinn Tax
Slinn Tax provides virtual tax services with a focus on Canadians who have been approved for the Disability Tax Credit (DTC). The service offers reviews of DTC-approved tax years to help identify potentially missed tax credits, deductions, benefits, adjustments, and eligible family transfers. Slinn Tax also provides personal income tax preparation and disability-related tax resources. Slinn Tax is an independent, third-party tax service — it is not a government program and is not an Accessible Compass service. Accessible Compass does not provide, endorse, or guarantee the professional services offered by this provider.
View detailsAccessible Compass is an independent guide — we are not a government agency and do not process applications or approve benefits. We provide general information only, not legal, medical, or financial advice. Program rules may change. Always confirm with official government sources.