Posted January 14, 2021
Retiring at age 65 is not a priority for many older Americans. If they feel good, they want to work into their 70s, at least part time. These faithful workers value their health benefits, but, if working part time, they may not qualify for employer-sponsored plans. In this situation, employees may think they need only medical insurance, and will self-fund expenses for their dental and vision needs. However, older workers tend to have more dental and vision issues as they age. Here is why semi-retired worker and retiree benefits should include dental and vision.
Keeps teeth and gums healthy
Senior employees know that a sparkling smile creates a great first impression. Through the years, they have taken good care of their teeth. They have scheduled regular checkups and professional cleanings and faithfully brushed and flossed their teeth.
Semi-retired workers and retirees need to maintain these good oral hygiene habits to keep their teeth and gums healthy. However, older employees may have various oral health needs, such as fillings, crowns, bridges or root canals. The cost for these procedures can add up. So if they do not have dental insurance, theses unexpected expenses can impact their budget.
Employers can help workers who are semi-retired or retired get access to an individual dental plan to help them cover the cost of unexpected oral expenses. An individual dental plan covers preventive dental exams and assists with other procedures.
Most importantly, with an individual dental plan, semi-retired or retired people have instant access to their benefits. They will not need to put off dental needs until they have saved up money to afford the total cost. Individual plans can be purchased and paid for online.
Protects vision and overall health
People of all ages value their sight. However, as they age, people’s vision usually changes. They may not see as well, or experience eye issues or diseases such as dry eye, macular degeneration or even glaucoma. That is why older workers need regular eye exams.
During an eye appointment, the doctor will test for vision correction needs, and look for signs of medical conditions that could affect overall health. These tests can identify early signs of thyroid problems, auto-immune disorders, diabetes and some cancers.
Older employees also may need prescription eyeglasses or contacts. If they have a medical plan through Medicare, this expense will not be covered.
An individual vision plan, purchased and owned by the individual, outlines the coverage amounts available. This way, semi-retired workers and retirees can plan expenses. Insurance should cover preventive exams and may offer discounts on other procedures, such as LASIK. The vision plan also should include benefits toward materials such as eyeglasses or contacts.
Review these individual dental and vision insurance plans to get an idea of plans available for semi-retired workers and retirees.