It means you do not have access to any type of dental insurance or coverage through:
• your employment benefits or a family member’s employment benefits, including health and wellness accounts
• a professional or student organization
Note: If you’re eligible for dental coverage through your employment benefits or through a professional or student organization, you’re not eligible for CDCP. This is true even if:
▪ you decide not to take it
▪ you have to pay a premium for it
▪ you don’t use it
• your pension benefits or a family member’s pension benefits
◦ this includes federal, provincial and territorial government employer pension plans
◦ Exception: You may be eligible for the CDCP if you’re retired and:
▪ you opted out of pension benefits before December 11, 2023, and
▪ you can’t opt back in under the pension rules
• coverage bought by you or a family member or through a group plan from an insurance or benefits company
◦ if you purchased your current dental insurance policy privately (and not as part of any of the coverage described above), you’re not eligible for the CDCP while that coverage is in effect.
