First, the individual dental plan we might sell her after retirement, would likely contain a one year wait before major services are covered (usually, at 50%).
Beyond that, Carol’s employer sponsored dental plan has a (typical) coverage limit of $1,500 of paid claims per calendar year. If Carol scheduled some of her dental work before the end of 2015, and the rest after January 1st – but before she retires – she’d maximize her benefits under the group plan.
Then, when her new individual policy kicks in, she’d have a fresh ‘bank’ of money for routine services for the remainder of 2016.
Pretty neat how a little planning pays dividends!