CDCP Renewal 2027 Hamilton Ontario — Keep Your Free Dental Benefits
If you’re currently enrolled in the Canada Dental Care Plan (CDCP) in Hamilton Ontario, your 2027 benefits will auto-renew based on your 2026 tax return — as long as your income and insurance status haven’t changed. Red Rose Dentistry handles all CDCP billing and can answer renewal questions at your next appointment.
Call (905) 527-8055 | Book Your 2027 CDCP Appointment →
How CDCP Renewal Works in 2026/2027
- File your 2026 taxes by April 30, 2027 — Sun Life uses your CRA data automatically
- Your income must remain under $90,000 AFNI — CRA reports this to CDCP automatically
- You must still have no private dental insurance — verify your coverage status
- Receive confirmation — Sun Life sends a renewal notice (mail or mysunlife.ca)
- Your coverage continues — same benefits, same coverage levels, no new application
| CDCP Renewal Scenario | What Happens | Action Required |
|---|---|---|
| Income unchanged (under $90K), no insurance | Auto-renews at same tier | File taxes on time |
| Income dropped below $70K | Upgrades to 100% coverage | File taxes — CRA updates Sun Life |
| Income increased above $90K | Coverage ends January 2027 | Notify Sun Life — private pay after |
| Got new employer dental insurance | CDCP coverage ends | Report to Sun Life within 30 days |
| Never enrolled but now eligible | Apply now for 2027 | Apply at canada.ca or call 1-833-537-2675 |
CDCP 2027 Coverage Levels — What You’ll Be Eligible For
| Family Income (AFNI) | 2027 Coverage | Patient Pays |
|---|---|---|
| Under $70,000 | 100% | $0 |
| $70,000 – $79,999 | 60% | 40% co-pay |
| $80,000 – $89,999 | 40% | 60% co-pay |
| $90,000+ | Not eligible | Full private pay |
What CDCP Covers in 2027 (Expected — Same as 2026)
- Dental exams + X-rays (1x/year)
- Professional cleanings (2x/year)
- Fluoride treatment
- Dental fillings (composite)
- Tooth extractions (including wisdom teeth)
- Root canals (anterior and premolar)
- Dentures (full/partial) — every 5 years
- Periodontal scaling and root planing
- Emergency dental care (unlimited visits)
- Dental crowns (when medically necessary)
CDCP 2027 benefit schedule is subject to government confirmation. Coverage is expected to remain consistent with 2026.
What to Do Before December 31, 2026 (Before Your Benefits Reset)
Whether or not you plan to renew CDCP for 2027, use your 2026 benefits now:
- Book your second cleaning if you haven’t yet
- Get your annual exam and X-rays done
- Address any cavities or recommended treatments — these don’t roll over
- Start a denture or root canal process before January reset
Not Yet Enrolled? Apply for CDCP 2027 Now
If you haven’t applied for CDCP yet but meet the criteria — income under $90K and no private dental insurance — you can apply at canada.ca or call 1-833-537-2675. Coverage can begin within weeks. Red Rose Dentistry will confirm your enrollment at your first appointment and begin direct-billing Sun Life immediately.
CDCP Renewal FAQ — Hamilton Ontario 2026/2027
Q: Do I need to reapply for CDCP every year?
A: No. If your income and insurance status haven’t changed, your CDCP renews automatically based on your filed tax return.
Q: When does my 2026 CDCP coverage expire?
A: CDCP coverage doesn’t expire on a set date. As long as you’re enrolled and eligible, benefits continue. Coverage may change if your income or insurance status changes.
Q: I missed some CDCP procedures in 2026. Can I carry them into 2027?
A: No. Annual benefit maximums (like 2 cleanings/year) do not roll over. Use them before December 31.
Q: My employer just added dental insurance. Does my CDCP end?
A: Yes. You must report new private dental insurance to Sun Life within 30 days. CDCP is for those without private coverage.
Book Your 2026 Year-End + 2027 CDCP Appointment
Red Rose Dentistry — 135 James St S, Downtown Hamilton
(905) 527-8055 — Open 7 Days
Book Your CDCP Appointment →
Related Services
- CDCP Dentist Hamilton Ontario 2026 — Main CDCP guide — all procedures covered
- Dental Benefits Expiring December 2026 — Use your 2026 coverage before it resets
- Family Dentist Hamilton 2026 — CDCP for the whole family
- Emergency Dentist Hamilton 2026 — CDCP covers same-day emergencies