By middle age, most of us have spent some time in the dental chair and the experience of paying for it.  My Colorado sister-in-law cracked a molar last week and experienced the same painful extraction and bone graft that that I had experienced in January.  At almost the exact time she was having her procedure, I was in a Salem oral surgeon’s chair having a dental implant from his January bone graft.  This time, it didn’t hurt much, except for financially.  That was just the implant.  The crown will be another major expense later this summer. 


We know other aging--but otherwise healthy--boomers and retirees who are also experiencing the same kinds of dental costs.  That leads us to think that one major “missing tooth”  of most people’s retirement planning is the large, unpredictable, and often uninsured costs of dental procedures as we age.  It’s a good idea to budget for an extra $200 to $400 per month of retirement expenditures that can be set aside and used for these kinds of dental expenses.  Hopefully you won’t need to tap into this reserve, but if you do it could make those procedures a little less painful.

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