Pensioners’ Dental Services Plan summary

This is a summary of the Pensioners' Dental Services Plan (PDSP) offered to eligible retired members of the public service or of a participating agency or entity. It does not contain all details or describe all limits, restrictions or exclusions. For additional information, please refer to the Member Booklet or the PDSP - Rules or contact the Government of Canada Pension Centre.

The PDSP is designed to cover specific dental services and supplies that are not covered under your provincial/territorial health care or dental care plan. It is contributory and is completely separate from the dental care plan for public service employees.

Eligibility

  • Optional coverage for:
    • Pensioners (including survivors) receiving an immediate ongoing pension, annuity or allowance – some restrictions apply.
    • Eligible spouse or common-law partner and eligible dependant children of pensioner members (including survivors)

Enrolment and Effective Date

  • To apply for coverage, you must submit a signed application form, available from the Government of Canada Pension Centre.
    • If your completed application is sent within 60 days of your pension effective date, coverage takes effect on that date.
    • If your completed application is received more than 60 days after your pension effective date, coverage takes effect on the 1st day of the 2nd month following receipt of your application.

Deductible

  • $25 per person, up to $50 per family per calendar year

Reimbursement Percentage (after deductible)

  • Basic services: 90%
  • Major services and orthodontics: 50%

Dental Fee Guide

  • Previous year's dental fee guide for the province or territory where the services are rendered

Note

  • Provisions for services rendered in Alberta
  • Provisions for services rendered outside of Canada

Maximum Reimbursement

  • Basic and Major dental expenses: $1,500 per calendar year per covered person ($750 during first year if coverage takes effect on or after )
  • Orthodontics: Lifetime maximum $2,500 per covered person

Eligible Expenses

Basic Services (90%)

  • Examination and diagnosis (recall oral examination limited to once every 9 months)
  • Routine preventive services (dental cleaning, polishing and fluoride application limited to once every 9 months; oral hygiene instruction limited to once per calendar year)
  • Minor restorative
  • Endodontics (root canal)
  • Periodontics (treatment of gum disease)
  • Minor prosthodontic services (repairs, adjustments, rebasing and relining of removable dentures once every 36 months)
  • Oral surgery
  • Adjunctive services (anaesthesia in connection with oral surgery and emergency services)

Major Services (50%)

  • Major restorative services (crowns once every 60 months, inlays)
  • Complete or partial dentures, fixed bridges (existing appliance must be at least 5 years old and not serviceable)

Orthodontics (50%)

  • Orthodontics Services

Cost Sharing / Contributions

  • You and the Government of Canada equally share the cost of this coverage

Coordination of Benefits

  • If you and a family member are covered under more than one group dental plan, you may coordinate benefits up to 100% of the actual eligible expenses.
  • There is no coordination of benefits between members of the Pensioners' Dental Services Plan (PDSP).

Coverage Ends Automatically

  • When the member and/or dependant dies or is no longer eligible.
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