Annual limits, frequency limits, change of coverage at retirement, job change, submission time limits, undisclosed limits. My, my, my … What insurance carriers don’t tell you. If you have recently had a change in lifestyle, call your insurance provider to find out how your coverage is affected. You may be paying for coverage that is not worth it. A recent client paid monthly for retirement dental benefits to find out that his coverage did not include dentures. He was able to resign from his plan and get better coverage from the CDCP/Sunlife Plan at no cost. Contact us for your denture needs.