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requently Asked Dental Insurance Questions Bear DE

While it can be difficult to find the money for dental insurance premiums you will now have to pay the full premium for your insurance. You've lost the employer contribution when you lost your job. However, the premium on group dental insurance is much lower than individual insurance - so you will benefit by maintaining your group dental insurance coverage.

Keith Al-Chokhachy, Certified Financial Planner(tm)
2751 Centerville Road
Wilmington, DE
Company
Title: Certified Financial Planner"
Company: Morgan Stanley Smith Barney
Years Experience
Years Experience: 8
Service
Captive Insurance,Life Settlements,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Hourly Financial Planning Engagements,Fee Only Portfolio Management,Wealth Engineering,Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rol

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Jeff Bonifacino
1521 Concord Pike
Wilmington, DE
Company
Title: Financial Advisor
Company: Rockwell Associates
Years Experience
Years Experience: 26
Service
Wealth Engineering,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Health Care Insurance,Retirement Planning,Long-Term Health Care Planning,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Portfolio Engineering,401k Rollover From Employer,Income for Life/ Preserve Principal,Disability Insurance,Annuities,Real Estate Investment Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulatio

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Medisweans
(302) 295-8298
501 Silverside Rd, Suite 105
Wilmington, DE
 
Jeff Bonifacino
1521 Concord Pike
Wilmington, DE
Company
Title: Financial Advisor
Company: Rockwell Associates
Years Experience
Years Experience: 26
Service
Wealth Engineering,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Health Care Insurance,Retirement Planning,Long-Term Health Care Planning,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Portfolio Engineering,401k Rollover From Employer,Income for Life/ Preserve Principal,Disability Insurance,Annuities,Real Estate Investment Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulatio

Data Provided by:
Medisweans
(302) 295-8298
501 Silverside Rd, Suite 105
Wilmington, DE
 
Bill Curry
1521 Concord Pike
Wilmington, DE
Company
Company: Curry Poole Group, LLC
Type
Investment Advisor Rep: Yes
Registered Investor: Yes
Education
BS
MBA
JD
Years Experience
Years Experience: 42
Service
Pension for Highly Compensated Owners,Stock Market Alternative,Reverse Mortgage,Medicare Planning,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Hourly Financial Planning Engagements,Portfolio Engineering,Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Alternative Investments,Life Insurance,Investment & Portfolio Man

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National Brokers Network
(302) 722-4084
121 Middleboro RD
Wilmington, DE
 
Keith Al-Chokhachy, Certified Financial Planner(tm)
2751 Centerville Road
Wilmington, DE
Company
Title: Certified Financial Planner"
Company: Morgan Stanley Smith Barney
Years Experience
Years Experience: 8
Service
Captive Insurance,Life Settlements,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Hourly Financial Planning Engagements,Fee Only Portfolio Management,Wealth Engineering,Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rol

Data Provided by:
Bill Curry
1521 Concord Pike
Wilmington, DE
Company
Company: Curry Poole Group, LLC
Type
Investment Advisor Rep: Yes
Registered Investor: Yes
Education
BS
MBA
JD
Years Experience
Years Experience: 42
Service
Pension for Highly Compensated Owners,Stock Market Alternative,Reverse Mortgage,Medicare Planning,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Hourly Financial Planning Engagements,Portfolio Engineering,Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Alternative Investments,Life Insurance,Investment & Portfolio Man

Data Provided by:
Brian Jow
(425) 883-4099
16701 CLEVELAND STREET
SUITE, DE
 
Data Provided by:

requently Asked Dental Insurance Questions

Provided By: 

Dental Insurance Questions

Continuing your Dental Coverage

What happens to my dental insurance coverage if I move to another job?
If your new employer is not going to provide dental insurance as part of your benefit's package you will be looking at significantly higher premiums for individual dental insurance coverage. Your best bet? Be sure to 'carry forward' your dental insurance from your previous job for the full allotted time.

You are allowed to carry forward your dental insurance (just like your medical insurance) for 18 months to 36 months depending on your relationship to the insured and the reason for leaving the position. As long as you haven't been dismissed due to gross negligence, you should be able to continue with your dental insurance coverage. While you will be responsible for the full dental insurance premium, group rates are significantly less than individual rates. It's well worth it.

Once the time period is up you will have to have individual dental insurance coverage in place. But at least you'll have had a price break for a reasonable amount of time. Just remember that you have some forms to fill in! You can get them from your, or your family member's, previous employer's benefit's department. You need to fill the dental insurance forms out within 60 days of leaving. If you don't, you can be denied the dental insurance coverage - and your more expensive individual dental insurance coverage will have to start right away.

What happens to my dental insurance if I become unemployed?
This is a tough situation.

In many states, unless you have been dismissed for gross negligence you will be able to carry your dental insurance and medical insurance for between 18 to 36 months, depending on your relationship to the previously insured person. This has been legislated under the Congressional Budget Reconciliation Act or COBRA. Definitely, carrying your dental insurance benefit's and medical insurance benefit's forward is in your best interest.

While it can be difficult to find the money for dental insurance premiums you will now have to pay the full premium for your insurance. You've lost the employer contribution when you lost your job. However, the premium on group dental insurance is much lower than individual insurance - so you will benefit by maintaining your group dental insurance coverage.

If you are going to maintain your dental insurance benefit's under COBRA, you must fill out the appropriate paper wo...

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