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CDCP Estimator

Independent tool: This is not affiliated with the Government of Canada. Results are estimates only and not medical or financial advice.

Canada Dental Care Plan Eligibility & Co-Pay Estimator

Answer three quick questions to get an instant estimate of your CDCP status and co-pay bracket.

Last updated: May 2024 — Estimator logic version 1.0

Your Information

Enter your age in whole years.

Combined net income of you and your spouse/partner as reported to CRA. Move the slider or type a value.

$0 $120k+
$
Do you have private dental insurance?

Includes employer benefits, union plans, or any private plan that covers dental care.

Your result will appear here after you check eligibility.

Co-Pay Brackets

Under $70,000 0% co-pay
$70,000 – $79,999 40% co-pay
$80,000 – $89,999 60% co-pay
$90,000 or more Not eligible

Important Disclaimers

Frequently Asked Questions

Who is eligible for the Canada Dental Care Plan (CDCP)?

You are generally eligible for the CDCP if you do not have access to private dental insurance, your adjusted family net income is under $90,000 CAD, and you meet the age-based rollout criteria. The plan has been rolling out in phases by age group, starting with seniors 87 and older in late 2023, then expanding to younger groups over time.

What are the CDCP co-pay brackets?

The CDCP uses three co-pay brackets based on adjusted family net income:

  • 0% co-pay for incomes under $70,000
  • 40% co-pay for incomes between $70,000 and $79,999
  • 60% co-pay for incomes between $80,000 and $89,999
  • Not eligible for incomes of $90,000 or more
Does having private dental insurance affect CDCP eligibility?

Yes. If you have access to private dental insurance or coverage through an employer, union, or other benefits plan, you are not eligible for the CDCP — regardless of your income or age. "Access" means coverage is available to you, even if you have not enrolled.

What is "adjusted family net income" for CDCP purposes?

Adjusted family net income (AFNI) is the combined net income of you and your spouse or common-law partner (if applicable), with certain CRA adjustments. It is based on your most recent tax return. The CDCP uses AFNI to determine your co-pay bracket. If you are unsure of your AFNI, check line 23600 of your Notice of Assessment, then add your spouse/partner's amount.

When will the CDCP be available to adults under 65?

The CDCP has been rolling out in phases. Adults aged 55–64 and 18–54 are part of later rollout phases. This estimator reflects publicly available rollout schedule information, but exact dates may change. Always check Health Canada's official website at canada.ca/dental for the most current rollout information.

Is this estimator official or affiliated with the Government of Canada?

No. This is an independent mathematical estimation tool and is not affiliated with, endorsed by, or connected to the Government of Canada, Health Canada, or the Canada Revenue Agency. Use this tool as a starting point only. Final eligibility is determined by Health Canada and the CRA through the official application process.