The four requirements (all must be true)
- Canadian residency for tax purposes.
- You filed your tax return for the previous year (your 2025 return for the 2026 benefit year). Your spouse or common-law partner must have filed too.
- Adjusted family net income under $90,000. This is your and your partner's net income (line 23600), not gross salary.
- No access to private dental insurance.
If any one of these is not met, you won't qualify — but you may still have other options, and you can still find a dentist through us.
What "no access to private insurance" means
You're considered to have access (and therefore not eligible) if you have dental coverage through an employer, a pension, a professional/group/student plan, or a plan you bought — yours or a family member's — even if you choose not to use it. One important exception: coverage through a government social program does not count as private insurance, so you may still qualify.
How much does it cover?
If you qualify, your share depends on income. Under $70,000 the plan pays 100% of eligible costs; $70,000–$79,999 it pays 60%; $80,000–$89,999 it pays 40%. See income thresholds for the full table.