Maximizing your dental health benefits before retirement
Thinking of starting your own business?
There are many benefits to planning ahead.
How to maximize your dental health benefits.
In Alberta, the government insurance doesn’t cover all of your health expenses. That’s why health benefits such as vision or dental care are usually included in a group supplementary health plan offered by many employers.
While your dental care and other health costs are being covered when you are actively working for the company, what’s going to happen with your benefits after you retire or leave your job?
We have had many clients, who were close to retirement or already retired, tell us they wished they had talked to us earlier about their options and got advice on what they could do or what would have been best to do to maximize their health before their benefits ran out.
As you age, your teeth wear out and gum health becomes of utmost importance to your overall health. Dental work and regular oral hygiene maintenance can end up being a bigger investment. You have the chance to be proactive!!
If you’re leaving because you’ve been laid off, your benefits may continue for a few weeks. After that, in some cases, you can get individual coverage to replace your group insurance if you apply within a specified time, usually 90 days.
Contact us as soon as you can to set up a consult and create a dental health plan to maximize your benefits.
Do you plan on retiring within the next 2 years?
If you are retiring, the reality is that employers offering retiree benefits are the minority in Canada. It is a very good idea to find out more about your policy and when it will end.
Are you planning on changing jobs?
You might want to change careers, find another job or start your own business. If that’s the case and you are not sure what kind of health and dental benefits you will have then, it’s prudent to find out how you can maximize your current benefits before you make the changes.
What are your options?
If you know that you will be retiring or leaving your job, and still have some unused dental health benefits or your current benefits are much better than the ones you are may be receiving at your new place of work, it is a good idea to plan ahead and get an appointment for a complete dental assessment.
Whatever the reasons for leaving your job and losing your health benefits are, it’s definitely recommended to sort out your health and dental insurance options before your official last work day.
Different companies may have different policies about coverage — some only cover you through your final pay period, while others cover employees through their final month. Make sure you really understand what your benefits policy looks like while you still have time. If you are not sure, talk to your human resources team or call the insurance company directly.
At Solara Dental Care we do a very thorough, comprehensive assessment of your oral health and come up with a detailed plan including estimated timelines for any oral hygiene and dental treatment needs.
Oral hygiene assessment is very important because the health of your gums is foundational to the health of your teeth and your overall health. Many people have periodontal disease and don’t even know it. It can take a series of appointment to get the active disease under control.
An assessment of the health of your teeth includes: checking the condition of any crowns or fillings and any other restorations that have been done in your mouth already.
Some may be ready for replacement or will be needing replacement soon. In the assessment we also look for wear, cracks, oral cancer, how your teeth fit together (this can affect headaches and other conditions).
This comprehensive assessment will give you a clear understanding of the complete health of your mouth and how to achieve maximum health. It will also provide you with an idea of how to make financial plans, maximize your benefits and kick off your retirement or new path in life in a very beneficial, healthy, proactive way.
If you are planning on retiring or leaving your job in the next two years or know that you will be laid off soon will you be proactive about your health now?
We are here to help you. Our team, at Solara Dental Care is looking forward to being a part of a healthy future for you.