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	What Happens When...?

When Your Coverage Ends

Your coverage generally ends on the earliest of the:

• Date your employment ends
• Date you are no longer eligible for benefits
• Last day of the period for which you have made the required contributions
• Date coverage is cancelled

Coverage for your family generally ends when your coverage ends or when a dependent is no longer eligible.

Continuation Of Coverage
In certain circumstances, you may continue dental coverage for yourself and your family when your coverage ends.

Coordination Of Benefits
If you have dental coverage through your spouse's employer or another source, and have coverage through the School District's plan, a provision known as Coordination of Benefits may reduce your benefits under the School District's plan so your combined benefits will not be more than the expenses recognized by both plans. It is important that you understand the Coordination of Benefits guidelines that determine which of your plans pays benefits first.

Appealing A Claim
For dental benefits, if your claim is denied in whole or part, you will be notified in writing. The notification will include the reasons for the denial and any additional information required if you want to appeal your claim.

Copyright ©2006 Valley Forge Benefits Consulting, Inc.