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