{"content_id":"kdtz0jbnd4","slug":"cdcp-2026-27-canada-dental-care-application","locale":"en","schema_type":"HowTo","category":"policy_guide","category_name":"Policy Guide","title":"CDCP 2026-27: How to Apply for Dental Coverage","summary":"CDCP 2026-27 applicants must meet four requirements, including rules on access to private dental insurance. After filing your 2025 tax return, apply through the official online portal and check your individual coverage start date before receiving dental care.","sponsorship_disclosure":null,"affiliate_disclosure":null,"commerce_disclosure":null,"author":{"name":"OnBinder Editorial Team","url":"https://onbinder.com/ko/about"},"key_points":["Check your access to private dental insurance, tax filing status, family income, and tax residency requirements.","Check your and your spouse's T4 and T4A forms and 2025 Notices of Assessment.","Prepare your SIN, date of birth, address, and information about any existing public dental coverage.","Apply through MSCA or the dedicated Service Canada page.","Confirm your application result and coverage start date, then check whether the dental clinic offers direct billing."],"content_markdown":"You can apply online for CDCP 2026-27 if you meet four eligibility requirements. Have your SIN and 2025 tax return information ready. Even if you missed the June 1 renewal deadline, you can reapply through MSCA or Service Canada.\n\nThe figures and dates are based on Canada.ca's 2026-27 information and August 2026 coverage guidance.\n\n## Application periods and details by situation\n\nApplications are open for new 2026-27 applicants and for people who missed their renewal and need to reapply. CDCP is the abbreviation for the Canadian Dental Care Plan. The benefit year runs from July 1, 2026, to June 30, 2027. Each person's coverage start date is determined separately.\n\n| Current situation | Applicable dates | What to do |\n|---|---|---|\n| Applying for the first time | New applications accepted starting June 2, 2026 | Check eligibility, then apply |\n| Existing member who renewed by the deadline | Renewal period was from April 15 to June 1, 2026 | Check the renewal result and coverage status |\n| Existing member who did not renew by June 1, 2026 | Can reapply starting June 2, 2026 | Reapply using the new application process |\n\nJune 1 in Canada is the renewal deadline for existing members. It should not be interpreted as the deadline for all new applications. Dental expenses incurred during a coverage gap caused by a missed renewal are not covered retroactively. See the [2026 renewal schedule announcement](https://www.canada.ca/en/employment-social-development/news/2026/04/canadian-dental-care-plan-renewal-season-opens-april-15.html).\n\n\u003e Applications are open for the 2026-2027 benefit year.\n\nThis application information is stated on Canada.ca's [Apply - Canadian Dental Care Plan](https://www.canada.ca/en/services/benefits/dental/dental-care-plan/apply.html) page.\n\n## Four eligibility requirements\n\nYou must meet all the requirements below to apply. Meeting only the income requirement does not make you eligible. If you have a spouse or common-law partner, check their information as well.\n\n| Requirement | What to check |\n|---|---|\n| No access to private dental insurance | Whether dental coverage is available through employment, a pension, family, a group, or an individual purchase |\n| Previous year's tax return | You and your spouse must have filed your 2025 Canadian tax returns |\n| Adjusted family net income | Less than 90,000 Canadian dollars per year |\n| Residency for tax purposes | You and your spouse must be Canadian residents for tax purposes |\n\nEven if you are not enrolled in insurance, you are generally ineligible if it is available to you. The same applies even if you must pay premiums or the coverage is limited. Dental coverage under public social programs, such as provincial programs, may be coordinated separately.\n\n### How do I check adjusted family net income?\n\nAdjusted family net income is calculated using the tax return information of you and your spouse. Do not determine it based only on your individual salary or the monthly pay deposited into your bank account. The following items are used in the calculation.\n\n| Calculation step | Tax return item |\n|---|---|\n| Add | Your and your spouse's net incomes, line 23600 |\n| Subtract | Universal Child Care Benefit and Registered Disability Savings Plan amounts received, line 11700 and line 12500 |\n| Add | Repayments of the two items above, corresponding amounts on line 21300 and line 23200 |\n\nIf the amount is exactly 90,000 Canadian dollars, you do not meet the income requirement. The official threshold is \"less than.\" Detailed requirements and the calculation formula are available on [Do you qualify](https://www.canada.ca/en/services/benefits/dental/dental-care-plan/qualify.html).\n\n## Information to prepare before applying\n\nPrepare information for each applicant along with your spouse's information. A Notice of Assessment is a notice showing the results of the review of your tax return. Confirm not only that the tax return was filed, but also that this notice was received.\n\n- Full name and date of birth\n- SIN, which is the Social Insurance Number, and for children if they have one\n- Residential address and mailing address\n- Your and your spouse's 2025 Notice of Assessment\n- Information about dental coverage under government social programs in which you are enrolled\n- Insurance indicators on your and your spouse's T4 or T4A\n\nThe T4 and T4A are used to check whether insurance is available to you. They serve a different purpose from the Notice of Assessment. Check the application preparation requirements based on the [Canada.ca application guide](https://www.canada.ca/en/services/benefits/dental/dental-care-plan/apply.html).\n\n## Checking dental insurance on a T4 or T4A\n\nEmployees should check box 45 on the T4. Pension recipients should check box 015 on the T4A. Check your spouse's documents as well.\n\n| Code | Who can access the insurance |\n|---|---|\n| 1 | No access to dental insurance through that employment or pension |\n| 2 | The person named on the document |\n| 3 | The person, spouse, and dependent children |\n| 4 | The person and spouse |\n| 5 | The person and dependent children |\n\nCode 1 does not mean there is no insurance available through other sources. Individual or group insurance must also be checked separately. The scope of each code is explained in the [Canada Revenue Agency's T4 completion guide](https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/payroll/completing-filing-information-returns/t4-information-employers/t4-slip.html).\n\n## How to apply online\n\nYou can use MSCA or the dedicated Service Canada application page. MSCA is the abbreviation for My Service Canada Account. If using an account is difficult, choose the Canada.ca application route.\n\n| Application route | How to use it | Follow-up features |\n|---|---|---|\n| MSCA | Sign in or create an account, then apply | Manage notices, eligibility, and personal information |\n| Dedicated Canada.ca page | Apply through the dedicated page in the official application guide | Check application status using a separate online tool |\n\n1. Check the eligibility and required information for you and your spouse.\n2. Sign in to MSCA or create an account.\n3. Select `Canadian Dental Care Plan` on the dashboard.\n4. Select `Apply for Canadian Dental Care Plan coverage`.\n5. Enter the information as instructed on the screen and submit the application.\n6. Keep the application code you receive after submission.\n\nIf MSCA is difficult to use, select `Apply using Canada.ca`. This button connects to Service Canada's dedicated application page. Account menu options are explained in the [CDCP in MSCA guide](https://www.canada.ca/en/employment-social-development/services/my-account/cdcp.html).\n\nIf online access is difficult, call 1-833-537-4342. The TTY number is 1-833-677-6262. A phone application made with help from an interpreter or another person requires your clear consent.\n\n## Checking approval and the coverage start date after applying\n\nBefore receiving treatment, check the individual coverage start date in your approval notice. The application submission date is not the coverage start date. The notice also shows your member number and copayment level.\n\n1. Check your application status using your application code or member number and SIN.\n2. Check the notice under `View my letters` in MSCA.\n3. Proceed with booking an appointment after the coverage start date.\n4. At every visit, confirm with the dental provider that your current coverage is active.\n\nSun Life sends an information package by mail containing a physical member card. If you have the required membership information and identification, you can use the coverage before the card arrives. However, treatment received before the coverage start date is not covered. Detailed conditions are available on [After you apply](https://www.canada.ca/en/services/benefits/dental/dental-care-plan/after-apply.html).\n\n## Comparing coverage and out-of-pocket costs\n\nCDCP approval does not mean all dental expenses are fully covered. The coverage percentage applies to the fees established by CDCP. You may have to pay an additional amount for the difference between the dental provider's charge and the CDCP fee.\n\n| Adjusted family net income, Canadian dollars | Percentage of CDCP fee covered | Copayment percentage of CDCP fee |\n|---|---|---|\n| Less than 70,000 | 100% | 0% |\n| 70,000-79,999 | 60% | 40% |\n| 80,000-89,999 | 40% | 60% |\n\nExaminations, X-rays, scaling, and fillings are among the covered services. Service-specific conditions also apply to root canals, extractions, and dentures. Crowns, partial dentures, and some other services require preauthorization. According to the August 27, 2026 guidance, orthodontic treatment is not provided.\n\n| Item to check before treatment | What to ask the dental provider |\n|---|---|\n| Billing method | Whether the provider bills Sun Life directly |\n| Service conditions | Covered services, frequency limits, and whether preauthorization is required |\n| Actual amount you will pay | Income-based copayments, fee differences, and non-covered costs |\n\nEven if you receive an estimate, the actual payment is based on the rules in effect when the treatment is provided. If you pay the full amount upfront, Sun Life will not reimburse you. Payment is made to the service provider. Check the cost rules on [What services are covered](https://www.canada.ca/en/services/benefits/dental/dental-care-plan/coverage.html).\n\n## Aligning documents with your current status after leaving or changing jobs\n\nThe past insurance indicator on a T4 may differ from your current insurance status. T4 box 45 shows whether insurance was available on December 31 of that year. Therefore, explaining only that you are currently uninsured may not provide enough evidence.\n\nThe following procedure organizes the official review requirements for application preparation.\n\n1. Compare the insurance code on the T4 or T4A with your current insurance status.\n2. If the insurance has ended, ask your employer or pension administrator for a confirmation letter.\n3. Ask for the letter to state the insurance end date or the date access became unavailable.\n4. Confirm that the name and member number on the CDCP application are correct.\n5. Confirm the signature of an authorized representative.\n6. If you receive an eligibility review notice, send the supporting documents by the specified deadline.\n\nThis procedure does not guarantee approval or create a separate eligibility exception. It is preparation to explain differences between documents. As instructed in the review notice, supporting documents must be sent within 45 days of the issue date. Check [Member eligibility review](https://www.canada.ca/en/services/benefits/dental/dental-care-plan/member-eligibility-review.html) together with the notice you received.\n\n## Common application and renewal mistakes\n\nDo not assume that not using insurance or receiving approval in the past means you are currently eligible. CDCP reassesses eligibility every year. You may also undergo a separate review after enrollment.\n\n| Common misinterpretation | What to check |\n|---|---|\n| I did not enroll in workplace insurance, so I can apply | Check whether the insurance is available to you |\n| I can apply if I cancel pension dental insurance | You are generally excluded, with only a limited exception for opting out in the past |\n| I was approved last year, so coverage continues | Renewal is required every year |\n| I completed the application, so I can receive treatment immediately | Check your individual coverage start date |\n| I must pay an application fee to apply | Official applications and renewals are free |\n\nThe pension insurance exception applies only to retirees who opted out before December 11, 2023. They must be unable to re-enroll in that insurance. They must also meet the other eligibility requirements.\n\nDo not estimate the 2027-28 renewal schedule. Check MSCA and Canada.ca for the next renewal notice. Application and renewal updates are posted on the [official CDCP hub](https://www.canada.ca/en/services/benefits/dental/dental-care-plan.html).","content_html":"\u003cp\u003eYou can apply online for CDCP 2026-27 if you meet four eligibility requirements. Have your SIN and 2025 tax return information ready. Even if you missed the June 1 renewal deadline, you can reapply through MSCA or Service Canada.\u003c/p\u003e\n\u003cp\u003eThe figures and dates are based on Canada.ca's 2026-27 information and August 2026 coverage guidance.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#application-periods-and-details-by-situation\" class=\"anchor\" id=\"application-periods-and-details-by-situation\"\u003e\u003c/a\u003eApplication periods and details by situation\u003c/h2\u003e\n\u003cp\u003eApplications are open for new 2026-27 applicants and for people who missed their renewal and need to reapply. CDCP is the abbreviation for the Canadian Dental Care Plan. The benefit year runs from July 1, 2026, to June 30, 2027. Each person's coverage start date is determined separately.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eCurrent situation\u003c/th\u003e\n\u003cth\u003eApplicable dates\u003c/th\u003e\n\u003cth\u003eWhat to do\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Current situation\"\u003eApplying for the first time\u003c/td\u003e\n\u003ctd data-label=\"Applicable dates\"\u003eNew applications accepted starting June 2, 2026\u003c/td\u003e\n\u003ctd data-label=\"What to do\"\u003eCheck eligibility, then apply\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Current situation\"\u003eExisting member who renewed by the deadline\u003c/td\u003e\n\u003ctd data-label=\"Applicable dates\"\u003eRenewal period was from April 15 to June 1, 2026\u003c/td\u003e\n\u003ctd data-label=\"What to do\"\u003eCheck the renewal result and coverage status\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Current situation\"\u003eExisting member who did not renew by June 1, 2026\u003c/td\u003e\n\u003ctd data-label=\"Applicable dates\"\u003eCan reapply starting June 2, 2026\u003c/td\u003e\n\u003ctd data-label=\"What to do\"\u003eReapply using the new application process\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eJune 1 in Canada is the renewal deadline for existing members. It should not be interpreted as the deadline for all new applications. Dental expenses incurred during a coverage gap caused by a missed renewal are not covered retroactively. See the \u003ca href=\"https://www.canada.ca/en/employment-social-development/news/2026/04/canadian-dental-care-plan-renewal-season-opens-april-15.html\"\u003e2026 renewal schedule announcement\u003c/a\u003e.\u003c/p\u003e\n\u003cblockquote\u003e\n\u003cp\u003eApplications are open for the 2026-2027 benefit year.\u003c/p\u003e\n\u003c/blockquote\u003e\n\u003cp\u003eThis application information is stated on Canada.ca's \u003ca href=\"https://www.canada.ca/en/services/benefits/dental/dental-care-plan/apply.html\"\u003eApply - Canadian Dental Care Plan\u003c/a\u003e page.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#four-eligibility-requirements\" class=\"anchor\" id=\"four-eligibility-requirements\"\u003e\u003c/a\u003eFour eligibility requirements\u003c/h2\u003e\n\u003cp\u003eYou must meet all the requirements below to apply. Meeting only the income requirement does not make you eligible. If you have a spouse or common-law partner, check their information as well.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eRequirement\u003c/th\u003e\n\u003cth\u003eWhat to check\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Requirement\"\u003eNo access to private dental insurance\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eWhether dental coverage is available through employment, a pension, family, a group, or an individual purchase\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Requirement\"\u003ePrevious year's tax return\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eYou and your spouse must have filed your 2025 Canadian tax returns\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Requirement\"\u003eAdjusted family net income\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eLess than 90,000 Canadian dollars per year\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Requirement\"\u003eResidency for tax purposes\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eYou and your spouse must be Canadian residents for tax purposes\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eEven if you are not enrolled in insurance, you are generally ineligible if it is available to you. The same applies even if you must pay premiums or the coverage is limited. Dental coverage under public social programs, such as provincial programs, may be coordinated separately.\u003c/p\u003e\n\u003ch3\u003e\n\u003ca href=\"#how-do-i-check-adjusted-family-net-income\" class=\"anchor\" id=\"how-do-i-check-adjusted-family-net-income\"\u003e\u003c/a\u003eHow do I check adjusted family net income?\u003c/h3\u003e\n\u003cp\u003eAdjusted family net income is calculated using the tax return information of you and your spouse. Do not determine it based only on your individual salary or the monthly pay deposited into your bank account. The following items are used in the calculation.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eCalculation step\u003c/th\u003e\n\u003cth\u003eTax return item\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Calculation step\"\u003eAdd\u003c/td\u003e\n\u003ctd data-label=\"Tax return item\"\u003eYour and your spouse's net incomes, line 23600\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Calculation step\"\u003eSubtract\u003c/td\u003e\n\u003ctd data-label=\"Tax return item\"\u003eUniversal Child Care Benefit and Registered Disability Savings Plan amounts received, line 11700 and line 12500\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Calculation step\"\u003eAdd\u003c/td\u003e\n\u003ctd data-label=\"Tax return item\"\u003eRepayments of the two items above, corresponding amounts on line 21300 and line 23200\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eIf the amount is exactly 90,000 Canadian dollars, you do not meet the income requirement. The official threshold is \"less than.\" Detailed requirements and the calculation formula are available on \u003ca href=\"https://www.canada.ca/en/services/benefits/dental/dental-care-plan/qualify.html\"\u003eDo you qualify\u003c/a\u003e.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#information-to-prepare-before-applying\" class=\"anchor\" id=\"information-to-prepare-before-applying\"\u003e\u003c/a\u003eInformation to prepare before applying\u003c/h2\u003e\n\u003cp\u003ePrepare information for each applicant along with your spouse's information. A Notice of Assessment is a notice showing the results of the review of your tax return. Confirm not only that the tax return was filed, but also that this notice was received.\u003c/p\u003e\n\u003cul\u003e\n\u003cli\u003eFull name and date of birth\u003c/li\u003e\n\u003cli\u003eSIN, which is the Social Insurance Number, and for children if they have one\u003c/li\u003e\n\u003cli\u003eResidential address and mailing address\u003c/li\u003e\n\u003cli\u003eYour and your spouse's 2025 Notice of Assessment\u003c/li\u003e\n\u003cli\u003eInformation about dental coverage under government social programs in which you are enrolled\u003c/li\u003e\n\u003cli\u003eInsurance indicators on your and your spouse's T4 or T4A\u003c/li\u003e\n\u003c/ul\u003e\n\u003cp\u003eThe T4 and T4A are used to check whether insurance is available to you. They serve a different purpose from the Notice of Assessment. Check the application preparation requirements based on the \u003ca href=\"https://www.canada.ca/en/services/benefits/dental/dental-care-plan/apply.html\"\u003eCanada.ca application guide\u003c/a\u003e.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#checking-dental-insurance-on-a-t4-or-t4a\" class=\"anchor\" id=\"checking-dental-insurance-on-a-t4-or-t4a\"\u003e\u003c/a\u003eChecking dental insurance on a T4 or T4A\u003c/h2\u003e\n\u003cp\u003eEmployees should check box 45 on the T4. Pension recipients should check box 015 on the T4A. Check your spouse's documents as well.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eCode\u003c/th\u003e\n\u003cth\u003eWho can access the insurance\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Code\"\u003e1\u003c/td\u003e\n\u003ctd data-label=\"Who can access the insurance\"\u003eNo access to dental insurance through that employment or pension\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Code\"\u003e2\u003c/td\u003e\n\u003ctd data-label=\"Who can access the insurance\"\u003eThe person named on the document\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Code\"\u003e3\u003c/td\u003e\n\u003ctd data-label=\"Who can access the insurance\"\u003eThe person, spouse, and dependent children\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Code\"\u003e4\u003c/td\u003e\n\u003ctd data-label=\"Who can access the insurance\"\u003eThe person and spouse\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Code\"\u003e5\u003c/td\u003e\n\u003ctd data-label=\"Who can access the insurance\"\u003eThe person and dependent children\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eCode 1 does not mean there is no insurance available through other sources. Individual or group insurance must also be checked separately. The scope of each code is explained in the \u003ca href=\"https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/payroll/completing-filing-information-returns/t4-information-employers/t4-slip.html\"\u003eCanada Revenue Agency's T4 completion guide\u003c/a\u003e.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#how-to-apply-online\" class=\"anchor\" id=\"how-to-apply-online\"\u003e\u003c/a\u003eHow to apply online\u003c/h2\u003e\n\u003cp\u003eYou can use MSCA or the dedicated Service Canada application page. MSCA is the abbreviation for My Service Canada Account. If using an account is difficult, choose the Canada.ca application route.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eApplication route\u003c/th\u003e\n\u003cth\u003eHow to use it\u003c/th\u003e\n\u003cth\u003eFollow-up features\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Application route\"\u003eMSCA\u003c/td\u003e\n\u003ctd data-label=\"How to use it\"\u003eSign in or create an account, then apply\u003c/td\u003e\n\u003ctd data-label=\"Follow-up features\"\u003eManage notices, eligibility, and personal information\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Application route\"\u003eDedicated Canada.ca page\u003c/td\u003e\n\u003ctd data-label=\"How to use it\"\u003eApply through the dedicated page in the official application guide\u003c/td\u003e\n\u003ctd data-label=\"Follow-up features\"\u003eCheck application status using a separate online tool\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003col\u003e\n\u003cli\u003eCheck the eligibility and required information for you and your spouse.\u003c/li\u003e\n\u003cli\u003eSign in to MSCA or create an account.\u003c/li\u003e\n\u003cli\u003eSelect \u003ccode\u003eCanadian Dental Care Plan\u003c/code\u003e on the dashboard.\u003c/li\u003e\n\u003cli\u003eSelect \u003ccode\u003eApply for Canadian Dental Care Plan coverage\u003c/code\u003e.\u003c/li\u003e\n\u003cli\u003eEnter the information as instructed on the screen and submit the application.\u003c/li\u003e\n\u003cli\u003eKeep the application code you receive after submission.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eIf MSCA is difficult to use, select \u003ccode\u003eApply using Canada.ca\u003c/code\u003e. This button connects to Service Canada's dedicated application page. Account menu options are explained in the \u003ca href=\"https://www.canada.ca/en/employment-social-development/services/my-account/cdcp.html\"\u003eCDCP in MSCA guide\u003c/a\u003e.\u003c/p\u003e\n\u003cp\u003eIf online access is difficult, call 1-833-537-4342. The TTY number is 1-833-677-6262. A phone application made with help from an interpreter or another person requires your clear consent.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#checking-approval-and-the-coverage-start-date-after-applying\" class=\"anchor\" id=\"checking-approval-and-the-coverage-start-date-after-applying\"\u003e\u003c/a\u003eChecking approval and the coverage start date after applying\u003c/h2\u003e\n\u003cp\u003eBefore receiving treatment, check the individual coverage start date in your approval notice. The application submission date is not the coverage start date. The notice also shows your member number and copayment level.\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003eCheck your application status using your application code or member number and SIN.\u003c/li\u003e\n\u003cli\u003eCheck the notice under \u003ccode\u003eView my letters\u003c/code\u003e in MSCA.\u003c/li\u003e\n\u003cli\u003eProceed with booking an appointment after the coverage start date.\u003c/li\u003e\n\u003cli\u003eAt every visit, confirm with the dental provider that your current coverage is active.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eSun Life sends an information package by mail containing a physical member card. If you have the required membership information and identification, you can use the coverage before the card arrives. However, treatment received before the coverage start date is not covered. Detailed conditions are available on \u003ca href=\"https://www.canada.ca/en/services/benefits/dental/dental-care-plan/after-apply.html\"\u003eAfter you apply\u003c/a\u003e.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#comparing-coverage-and-out-of-pocket-costs\" class=\"anchor\" id=\"comparing-coverage-and-out-of-pocket-costs\"\u003e\u003c/a\u003eComparing coverage and out-of-pocket costs\u003c/h2\u003e\n\u003cp\u003eCDCP approval does not mean all dental expenses are fully covered. The coverage percentage applies to the fees established by CDCP. You may have to pay an additional amount for the difference between the dental provider's charge and the CDCP fee.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eAdjusted family net income, Canadian dollars\u003c/th\u003e\n\u003cth\u003ePercentage of CDCP fee covered\u003c/th\u003e\n\u003cth\u003eCopayment percentage of CDCP fee\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Adjusted family net income, Canadian dollars\"\u003eLess than 70,000\u003c/td\u003e\n\u003ctd data-label=\"Percentage of CDCP fee covered\"\u003e100%\u003c/td\u003e\n\u003ctd data-label=\"Copayment percentage of CDCP fee\"\u003e0%\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Adjusted family net income, Canadian dollars\"\u003e70,000-79,999\u003c/td\u003e\n\u003ctd data-label=\"Percentage of CDCP fee covered\"\u003e60%\u003c/td\u003e\n\u003ctd data-label=\"Copayment percentage of CDCP fee\"\u003e40%\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Adjusted family net income, Canadian dollars\"\u003e80,000-89,999\u003c/td\u003e\n\u003ctd data-label=\"Percentage of CDCP fee covered\"\u003e40%\u003c/td\u003e\n\u003ctd data-label=\"Copayment percentage of CDCP fee\"\u003e60%\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eExaminations, X-rays, scaling, and fillings are among the covered services. Service-specific conditions also apply to root canals, extractions, and dentures. Crowns, partial dentures, and some other services require preauthorization. According to the August 27, 2026 guidance, orthodontic treatment is not provided.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eItem to check before treatment\u003c/th\u003e\n\u003cth\u003eWhat to ask the dental provider\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to check before treatment\"\u003eBilling method\u003c/td\u003e\n\u003ctd data-label=\"What to ask the dental provider\"\u003eWhether the provider bills Sun Life directly\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to check before treatment\"\u003eService conditions\u003c/td\u003e\n\u003ctd data-label=\"What to ask the dental provider\"\u003eCovered services, frequency limits, and whether preauthorization is required\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Item to check before treatment\"\u003eActual amount you will pay\u003c/td\u003e\n\u003ctd data-label=\"What to ask the dental provider\"\u003eIncome-based copayments, fee differences, and non-covered costs\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eEven if you receive an estimate, the actual payment is based on the rules in effect when the treatment is provided. If you pay the full amount upfront, Sun Life will not reimburse you. Payment is made to the service provider. Check the cost rules on \u003ca href=\"https://www.canada.ca/en/services/benefits/dental/dental-care-plan/coverage.html\"\u003eWhat services are covered\u003c/a\u003e.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#aligning-documents-with-your-current-status-after-leaving-or-changing-jobs\" class=\"anchor\" id=\"aligning-documents-with-your-current-status-after-leaving-or-changing-jobs\"\u003e\u003c/a\u003eAligning documents with your current status after leaving or changing jobs\u003c/h2\u003e\n\u003cp\u003eThe past insurance indicator on a T4 may differ from your current insurance status. T4 box 45 shows whether insurance was available on December 31 of that year. Therefore, explaining only that you are currently uninsured may not provide enough evidence.\u003c/p\u003e\n\u003cp\u003eThe following procedure organizes the official review requirements for application preparation.\u003c/p\u003e\n\u003col\u003e\n\u003cli\u003eCompare the insurance code on the T4 or T4A with your current insurance status.\u003c/li\u003e\n\u003cli\u003eIf the insurance has ended, ask your employer or pension administrator for a confirmation letter.\u003c/li\u003e\n\u003cli\u003eAsk for the letter to state the insurance end date or the date access became unavailable.\u003c/li\u003e\n\u003cli\u003eConfirm that the name and member number on the CDCP application are correct.\u003c/li\u003e\n\u003cli\u003eConfirm the signature of an authorized representative.\u003c/li\u003e\n\u003cli\u003eIf you receive an eligibility review notice, send the supporting documents by the specified deadline.\u003c/li\u003e\n\u003c/ol\u003e\n\u003cp\u003eThis procedure does not guarantee approval or create a separate eligibility exception. It is preparation to explain differences between documents. As instructed in the review notice, supporting documents must be sent within 45 days of the issue date. Check \u003ca href=\"https://www.canada.ca/en/services/benefits/dental/dental-care-plan/member-eligibility-review.html\"\u003eMember eligibility review\u003c/a\u003e together with the notice you received.\u003c/p\u003e\n\u003ch2\u003e\n\u003ca href=\"#common-application-and-renewal-mistakes\" class=\"anchor\" id=\"common-application-and-renewal-mistakes\"\u003e\u003c/a\u003eCommon application and renewal mistakes\u003c/h2\u003e\n\u003cp\u003eDo not assume that not using insurance or receiving approval in the past means you are currently eligible. CDCP reassesses eligibility every year. You may also undergo a separate review after enrollment.\u003c/p\u003e\n\u003cdiv class=\"overflow-x-auto\"\u003e\u003ctable\u003e\n\u003cthead\u003e\n\u003ctr\u003e\n\u003cth\u003eCommon misinterpretation\u003c/th\u003e\n\u003cth\u003eWhat to check\u003c/th\u003e\n\u003c/tr\u003e\n\u003c/thead\u003e\n\u003ctbody\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common misinterpretation\"\u003eI did not enroll in workplace insurance, so I can apply\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eCheck whether the insurance is available to you\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common misinterpretation\"\u003eI can apply if I cancel pension dental insurance\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eYou are generally excluded, with only a limited exception for opting out in the past\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common misinterpretation\"\u003eI was approved last year, so coverage continues\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eRenewal is required every year\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common misinterpretation\"\u003eI completed the application, so I can receive treatment immediately\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eCheck your individual coverage start date\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd data-label=\"Common misinterpretation\"\u003eI must pay an application fee to apply\u003c/td\u003e\n\u003ctd data-label=\"What to check\"\u003eOfficial applications and renewals are free\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/tbody\u003e\n\u003c/table\u003e\u003c/div\u003e\n\u003cp\u003eThe pension insurance exception applies only to retirees who opted out before December 11, 2023. They must be unable to re-enroll in that insurance. They must also meet the other eligibility requirements.\u003c/p\u003e\n\u003cp\u003eDo not estimate the 2027-28 renewal schedule. Check MSCA and Canada.ca for the next renewal notice. Application and renewal updates are posted on the \u003ca href=\"https://www.canada.ca/en/services/benefits/dental/dental-care-plan.html\"\u003eofficial CDCP hub\u003c/a\u003e.\u003c/p\u003e\n","tags":["Health insurance","Everyday Finance","Tax filing","CDCP"],"faqs":[{"question":"Can I still apply if I missed June 1, 2026?","answer":"Existing members can reapply through the new application process starting June 2, 2026. Care received during a gap in coverage will not be covered retroactively."},{"question":"Do I need an MSCA account?","answer":"Besides MSCA, you can also apply through the dedicated Service Canada page linked from Canada.ca. If you have difficulty applying online, you can also apply by phone."},{"question":"Does my spouse also need to file a tax return?","answer":"If you have a spouse or common-law partner, both of you must have filed your tax returns for the previous year. Before applying for 2026-27, confirm that you have received your 2025 Notice of Assessment."},{"question":"Am I ineligible even if I have not used my employer-provided insurance?","answer":"In principle, you are ineligible if you have access to employer-provided insurance. Eligibility is not determined solely by whether you have actually used it or chosen to enroll."},{"question":"Can I apply even if I have provincial dental coverage?","answer":"You may still be eligible even if you have dental coverage through a provincial, territorial, or federal social program. Coverage may be coordinated to avoid duplicate payments."},{"question":"Can I apply if my child does not have a SIN?","answer":"The application instructions require you to provide your child's SIN if they have one. To check the status of a child without a SIN, use the child's name and date of birth."},{"question":"Am I eligible if my adjusted family net income is 90,000 Canadian dollars?","answer":"No. The income requirement is less than 90,000 Canadian dollars per year."},{"question":"If my co-payment rate is 0%, will I have no dental costs at all?","answer":"You may have to pay the difference if the dental fee is higher than the CDCP fee schedule. Also check separately for the cost of services that are not covered."},{"question":"Can I pay the full cost of treatment and then get reimbursed?","answer":"Sun Life does not reimburse CDCP members directly. Before treatment, confirm that the dental provider bills Sun Life directly."},{"question":"What should I do if the insurance indicator on my T4 differs from my current situation after changing jobs?","answer":"Ask your employer for documentation confirming whether you currently have access to insurance and the date the change took effect. If your eligibility is reassessed, you must submit supporting documents by the deadline in the notice."}],"sources":[{"url":"https://www.canada.ca/en/services/benefits/dental/dental-care-plan/apply.html","title":"Canada.ca - Apply - Canadian Dental Care Plan","type":"source"},{"url":"https://srv024.service.canada.ca/en/application","title":"Service Canada - CDCP Online Application Screen","type":"source"},{"url":"https://www.canada.ca/en/services/benefits/dental/dental-care-plan/qualify.html","title":"Canada.ca - Do you qualify - Canadian Dental Care Plan","type":"source"},{"url":"https://www.canada.ca/en/employment-social-development/services/my-account/cdcp.html","title":"Canada.ca - Canadian Dental Care Plan in MSCA","type":"source"},{"url":"https://www.canada.ca/en/employment-social-development/news/2026/04/canadian-dental-care-plan-renewal-season-opens-april-15.html","title":"Canada.ca - Canadian Dental Care Plan renewal season opens April 15","type":"source"},{"url":"https://www.canada.ca/en/services/benefits/dental/dental-care-plan/after-apply.html","title":"Canada.ca - After you apply - Canadian Dental Care Plan","type":"source"},{"url":"https://www.canada.ca/en/services/benefits/dental/dental-care-plan/coverage.html","title":"Canada.ca - What services are covered in the Canadian Dental Care Plan","type":"data_point"},{"url":"https://www.canada.ca/en/services/benefits/dental/dental-care-plan/member-eligibility-review.html","title":"Canada.ca - Canadian Dental Care Plan - Member eligibility review","type":"source"},{"url":"https://www.canada.ca/en/revenue-agency/services/tax/businesses/topics/payroll/completing-filing-information-returns/t4-information-employers/t4-slip.html","title":"Canada Revenue Agency - T4 slip - Information for employers","type":"source"},{"url":"https://www.canada.ca/en/services/benefits/dental/dental-care-plan.html","title":"Canada.ca - Canadian Dental Care Plan","type":"source"}],"images":[{"id":1388,"url":"https://onbinder.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6MTk5NjgsInB1ciI6ImJsb2JfaWQifX0=--845f5025f6ea084d155b78e09264f482620a5162/ai-b6c9dd5f.webp","is_representative":true,"generation_method":"ai_photo","license":"ai_generated","mime_type":"image/webp","width":1536,"height":1024,"translations":{"ko":{"alt":"치과 접수대에서 스마트폰을 확인하는 여성과 직원","caption":"한 여성이 치과 접수대에서 스마트폰을 확인하며 직원의 안내를 받고 있습니다.","description":null},"en":{"alt":"Woman checking her smartphone at a dental clinic reception desk","caption":"A woman checks her phone while speaking with a dental clinic receptionist.","description":null},"ja":{"alt":"歯科医院の受付でスマートフォンを確認する女性とスタッフ","caption":"女性が歯科医院の受付でスマートフォンを確認しながらスタッフと話しています。","description":null},"es":{"alt":"Mujer consultando su teléfono en la recepción de una clínica dental","caption":"Una mujer consulta su teléfono mientras habla con la recepcionista de una clínica dental.","description":null},"id":{"alt":"Perempuan memeriksa ponsel di meja resepsionis klinik gigi","caption":"Seorang perempuan memeriksa ponselnya sambil berbicara dengan resepsionis klinik gigi.","description":null},"pt":{"alt":"Mulher consultando o celular na recepção de uma clínica odontológica","caption":"Uma mulher consulta o celular enquanto conversa com a recepcionista de uma clínica odontológica.","description":null},"zh-hant":{"alt":"女子在牙科診所櫃檯查看手機，接待人員在旁協助","caption":"一名女子在牙科診所櫃檯查看手機並與接待人員交談。","description":null},"de":{"alt":"Frau prüft ihr Smartphone am Empfang einer Zahnarztpraxis","caption":"Eine Frau schaut auf ihr Smartphone und spricht mit der Empfangskraft einer Zahnarztpraxis.","description":null}}},{"id":1389,"url":"https://onbinder.com/rails/active_storage/blobs/proxy/eyJfcmFpbHMiOnsiZGF0YSI6MTk5NzQsInB1ciI6ImJsb2JfaWQifX0=--de174f4e0a71b8b7b77b2e15ecf0c01a59bf46e0/ai-48137ff9.webp","is_representative":false,"generation_method":"ai_semi","license":"ai_generated","mime_type":"image/webp","width":1536,"height":1024,"translations":{"ko":{"alt":"치과 접수대에서 휴대전화를 확인하는 여성과 안내하는 직원, 체크·달력·치아 아이콘","caption":"한 여성이 치과 접수대에서 휴대전화로 예약 절차를 확인하고 있습니다.","description":null},"en":{"alt":"Woman checking her phone at a dental reception desk with check marks, calendar, and tooth icons","caption":"A woman reviews an appointment process on her phone at a dental reception desk.","description":null},"ja":{"alt":"歯科の受付でスマートフォンを確認する女性と、チェック・カレンダー・歯のアイコン","caption":"女性が歯科の受付でスマートフォンを使い、予約手続きを確認しています。","description":null},"es":{"alt":"Mujer revisando su móvil en la recepción dental con iconos de verificación, calendario y diente","caption":"Una mujer revisa en su móvil el proceso de una cita en la recepción de una clínica dental.","description":null},"id":{"alt":"Wanita memeriksa ponsel di resepsionis klinik gigi dengan ikon centang, kalender, dan gigi","caption":"Seorang wanita memeriksa proses janji temu melalui ponselnya di meja resepsionis klinik gigi.","description":null},"pt":{"alt":"Mulher consulta o celular na recepção odontológica com ícones de confirmação, calendário e dente","caption":"Uma mulher verifica no celular o processo de agendamento na recepção de uma clínica odontológica.","description":null},"zh-hant":{"alt":"女子在牙科診所櫃檯查看手機，旁有勾選、日曆與牙齒圖示","caption":"一名女子在牙科診所櫃檯用手機查看預約流程。","description":null},"de":{"alt":"Frau prüft ihr Handy am Zahnarztempfang neben Häkchen-, Kalender- und Zahnsymbolen","caption":"Eine Frau prüft am Empfang einer Zahnarztpraxis den Terminablauf auf ihrem Handy.","description":null}}}],"published_at":"2026-09-19T07:57:32+09:00","updated_at":"2026-09-19T07:57:32+09:00","license":"cc_by","translation_status":"reviewed","available_locales":["ko","en","ja","es"],"data_locales":["ko","en","ja","es","id","pt","zh-hant","de"],"url":"https://onbinder.com/en/articles/cdcp-2026-27-canada-dental-care-application"}