Great oral health is a lifelong pursuit, and preventive maintenance goes a long way. As you move towards retirement, however, you may discover some new obstacles to getting the treatment you need, including the potential loss of dental benefits and changes in your budget.
During your finance and health planning for your retirement, it’s all too easy to overlook dental benefits. For many people, retirement means a move to living on a fixed income, and depending upon your employment, could also means the loss of benefits. If you plan to retire in the next several years, make sure you mention your plans to your dentist. We can then discuss any incomplete treatment to get you in good stable dental health before your benefits expire.
Dental Care During Retirement: Planning for Changes in Your Health Care Budget
According to The Globe and Mail, just 30 percent of Canadian employers now offer dental benefits in retirement. This can come as a major, and unpleasant, surprise. That’s why preparation is so important. By planning ahead, you’ll make the transition much more smooth.
- When planning ahead for retirement, be sure to include dental coverage in your calculations, even if your current employer offers retirement benefits. The sooner you start planning, the easier it will be to meet your budgetary goals. If you reach retirement age and your benefits are still in place, excellent. If not, you’ll already have the money set aside to cover dental benefits.
- If you need dental work now and have the dental benefits to get it, avoid putting it off. It’s the best decision for your health, and taking care of it now is much better than worrying about it after your benefits expire.
- While you still have benefits, make sure you’re taking advantage of all that your policy offers. You might be surprised by some of the perks you have available.
- Taking good care of your teeth is the right idea at every stage of life, and strong oral care will help diminish your risk of dental issues in retirement.
- Brush twice per day, floss every day, and rinse with fluoridated mouthwash to keep your mouth healthy day-to-day. The whole routine takes just a few minutes, and your mouth will be much happier for it.
Planning for the loss of dental benefits works best when you start early, but it’s never too late to start. Insurance differs from job to job, but everyone can take a few simple preventive steps to stay healthy during retirement. With regular maintenance and a bit of financial planning, you can ensure great oral care for the long-term.
At Loreen Wong Dentistry, we love to care for patients of all ages! Learn more about the services available at our Calgary dental clinic, and keep your smile shining bright through retirement.