Credit for Prior Time (CPT)

Credit towards satisfaction of any [benefit year class/waiting period class] may be given for the length of time an employee was covered under the employer’s prior dental insurance plan, provided there is no interruption in coverage between the prior plan and the replacement plan.  The insured applying for CPT must have been covered for the same benefit classes under the prior plan in order to receive credit under the new plan.  In other words, if the employer’s prior plan did not provide Major or Orthodontic class coverage and the new plan provides both, CPT may not be given for the class not previously provided.  CPT is given individually to each person (employee, spouse or child) covered. Any new employee and/or dependents added on or subsequent to the group’s effective date of this coverage, will not receive CPT.  The agent has no authority to grant CPT or to waive the waiting period provision of the Plan.

DENTAL PLAN DESCRIPTIONS (click to view the plan description)