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Federal dental plan - Letter from Service Canada
October 25, 2024
12:39 pm
Alexandre
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canadian.100 said
Sounds like when thousands who were not entitled received benefits from the very generous fed govt during Covid years - not sure if the government was able to recover.  

The Canada Revenue Agency (CRA) had fired nearly 300 employees for inappropriately claiming payments from the Canada Emergency Response Benefit (CERB).

As of June 17, 2024, the government agency has found 289 employees who received CERB payments when they were ineligible, according to a report from CTV News.

"Anyone who is found to be ineligible for the CERB, including CRA employees who inappropriately applied for and received it, will be required to repay the amounts if they haven’t already done so," said Charles Drouin, CRA spokesperson, according to the report.

October 25, 2024
12:45 pm
Alexandre
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Sandy999 said
I just received my dental card and info that says I am covered for 100% based on my 2023 income. I had a capital gain on a house I sold in 2023 of over $500k and also an income of over $90k in 2023. Something is wrong here. How do they calculate this? Can they come after me if I used the plan. It says 100% coverage.  

Just like with any other benefit, if provider finds they have calculated it incorrectly they may ask you to cover the difference.

I know someone in an opposite situation, getting letter telling their CDCP coverage is only 40%, while this person knows they should be 100% covered. Another letter arrived, few weeks later, correcting mistake.

I am not saying you should sit idle waiting for another letter, I am saying mistakes with calculation of CDCP coverage do happen.

October 26, 2024
3:21 pm
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Alexandre said
I am not saying you should sit idle waiting for another letter, I am saying mistakes with calculation of CDCP coverage do happen.  

What do you expect from calculating machines using only 2 digits?

Wait until garbage AI starts determining your eligibility for this and that...

October 27, 2024
3:08 pm
Norman1
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Sandy999 said
I just received my dental card and info that says I am covered for 100% based on my 2023 income. I had a capital gain on a house I sold in 2023 of over $500k and also an income of over $90k in 2023. Something is wrong here. How do they calculate this? Can they come after me if I used the plan. It says 100% coverage.

The CDCP coverage level is based on "adjusted family net income" from tax returns.

The challenge is that tax returns are processed by CRA. But, the CDCP is not administered by CRA.

I think CDCP is a Health Canada program that is administered by Sun Life. There could be a delay updating the income info from tax returns sent by CRA to Health Canada and Sun Life.

Pretty sure Health Canada and Sun Life can recover amounts paid if one's 2023 adjusted family income ends up being too high to qualify. That could happen because of delays in updating family income data between CRA, Health Canada, and Sun Life. Could also happen if CRA re-asseses the 2023 tax returns months/years later and disallows some claimed deductions.

Another possibility is a mismatch in info crept in somewhere and the updated info from CRA doesn't get matched to the file at Health Canada or Sun Life. Maybe date of birth on CDCP file got messed up at Sun Life because Jane Doe called and agent selected the file for another Jane Doe file by mistake and both noticed that the date of birth was "wrong"?!?

October 28, 2024
5:52 am
RetirEd
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Norman1: Just wondering, though it seems obvious... was that a tax-free principal residence sale?

RetirEd

October 28, 2024
7:01 am
Norman1
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The qualification is based on Net Income reported on line 23600 of the family's tax returns.

Could have $200,000 of taxable capital gains that year and $250,000 of losses from an unincorporated business. Net Income would be $0 and taxpayer could qualify for 100% CDCP coverage.

October 28, 2024
10:50 am
Sandy999
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RetirEd said
Norman1: Just wondering, though it seems obvious... was that a tax-free principal residence sale?  

No it was a rental house.

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