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.
- 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.
- $25 per person, up to $50 per family per calendar year
Reimbursement Percentage (after deductible)
- Basic services: 90%
- Major services and orthodontics: 50%
- Previous year's dental fee guide for the province or territory where the services are rendered
- Provisions for services rendered in Alberta
- Provisions for services rendered outside of Canada
- 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
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 Services
- You and the Government of Canada equally share the cost of this coverage
- 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).
- When the member and/or dependant dies or is no longer eligible.
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