CDCP Application & Your NOA: The Family Income Verification You Need to Know
Posted by Oana on Fri, 30 May 2025
The Canada Dental Care Plan (CDCP) is opening its doors, offering significant relief for eligible Canadians.

The Canada Dental Care Plan (CDCP) is opening its doors, offering significant relief for eligible Canadians. As you prepare to apply (once invited), a key element will be your Notice of Assessment (NOA) from the Canada Revenue Agency (CRA), and critically, that of your spouse or common-law partner. Understanding why both are needed and how they're used is paramount to a smooth application process.
The Essential Role of Your Notice of Assessment (NOA)
Your NOA isn't just a receipt for your tax filing; it's the official, government-verified record of your income for a given tax year. For the CDCP, it serves as the primary source of truth for your household's financial situation.
- Income Verification: The CDCP is an income-tested benefit. To qualify, your adjusted net family income must be less than $90,000. The CRA uses the information on your most recent NOA (typically for the previous tax year, e.g., 2023 for 2024 eligibility) to confirm if you meet this threshold.
- The "Adjusted Net Income" Line: Specifically, the CRA will look at your "Adjusted Net Income" (Line 23600 on your T1 tax return, or a similar line on your NOA). This figure is your net income after certain deductions.
- No NOA, No Verification: Without a current NOA on file for you and your spouse/common-law partner, the CRA cannot verify your household's income, meaning you won't be identified as eligible, and therefore won't receive an invitation to apply for the CDCP.
Why Your Spouse/Common-Law Partner's Income Must Be Included
This is often where confusion arises. The CDCP is designed to support Canadian households based on their collective ability to afford dental care. Therefore, it's not just your income that matters, but your entire family's adjusted net income.
Here's why your spouse or common-law partner's tax information is essential:
- Program Design: A Household Benefit: The CDCP, like many other income-tested government benefits (e.g., Canada Child Benefit, GST/HST credit, Old Age Security Guaranteed Income Supplement), is structured around the financial capacity of a household. If only individual income were considered, a high-income household could potentially qualify if one partner had very low or no income, undermining the program's intent to support those genuinely in need.
- Accurate Assessment of Need: Including both incomes provides a more accurate picture of a household's financial resources. This ensures the benefit is directed to families who truly require assistance with dental costs, rather than those who collectively have the means to cover it.
- Preventing Abuse and Ensuring Fairness: By requiring both incomes, the government prevents individuals from artificially lowering their reported income (e.g., by having assets/investments solely in a spouse's name, or choosing not to work while their partner earns a high income) to qualify for a benefit meant for lower-income households. This ensures the program is fair and sustainable.
- CRA's Standard Operating Procedure: For any income-tested benefit that considers "family income," the CRA automatically combines the adjusted net incomes of spouses and common-law partners who are identified as living together. This is a standard and long-standing practice.
The Bottom Line: If you have a spouse or common-law partner, both of you must have filed your most recent income tax returns (e.g., for 2023 for 2024 eligibility) for the CRA to correctly calculate your adjusted net family income and determine your CDCP eligibility.
What You Need from the CRA (Practically Speaking)
When it comes to accessing your NOA and ensuring your information is ready for the CDCP, here’s what you need:
- Your Most Recent NOA: This is critical. You'll need the adjusted net income figure from your own NOA.
- Your Spouse/Common-Law Partner's Most Recent NOA: Equally critical. You'll need their adjusted net income figure as well.
How to Access Your NOAs:
- CRA My Account (Highly Recommended!): This is by far the fastest and most convenient way to access your NOAs and other tax documents. If you don't have an account, register for one. It takes a few minutes but is invaluable for managing your tax affairs. You can view, print, or download your NOAs for previous tax years.
- Mail: After filing, the CRA typically mails out your NOA. However, this can take several weeks.
- Through an Authorized Representative: If you have an accountant or tax preparer who files on your behalf, they can usually access your NOA through their professional access to the CRA system.
Important Reminders:
- File On Time (or Catch Up!): If you or your spouse/common-law partner haven't filed your 2023 taxes yet, do so immediately. The CRA can only assess eligibility based on the most current information they have.
- Keep Your Marital Status Current: Ensure your marital status is up-to-date with the CRA. Incorrect marital status information can affect your family income calculation and eligibility for various benefits, including the CDCP. You can update this information through your CRA My Account or by contacting the CRA directly.
- Be Patient for the Invitation: You cannot proactively apply for the CDCP. Service Canada will issue invitations in phases to eligible individuals based on the CRA's income verification. Having your NOAs ready simply means you'll be prepared when your invitation arrives.
By understanding the vital connection between your and your spouse's NOAs and the CDCP, you'll be well-prepared to navigate the eligibility process and unlock access to these crucial dental benefits for your family.
Disclaimer: This information is for general guidance only and not tax or financial advice. For specific advice about your taxes or the CDCP, please talk to a qualified tax professional or check the official CRA and Service Canada websites.
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