Dental Plan for Retirees

Principal Financial Group
Phone: (800) 986-3343

Principal Dental

All eligible retirees, survivors, or beneficiaries receiving a monthly retirement allowance as defined by the Sacramento County Employee Retirement System (SCERS) may participate in the retiree dental insurance program. Retiree may elect to enroll their spouse, registered domestic partner, and/or dependent children at the time of retirement or during Open Enrollment.  Spouses, domestic partners, and/or dependent children may also be added within 30 days of a “Qualified Status change Event” provided the 12/24 month lock has been satisfied. Once you have enrolled in a dental plan, that coverage will continue year to year until you make a change.

Retirees pay some or all of the cost for  themselves, their spouse/domestic partner, and/or their dependent children coverage.   


You must contact the Employee Benefits Office within 30 days of the date of qualifying status change event to make a change to your medical or dental coverage.  Failure to do so within the 30 day time frame will result in your inability to make the change until the next Open Enrollment.

Basic Dental Plan

The plan pays benefits based upon a fee schedule.  For specific coverage information for the plan view the Plan Benefit Summary.

Important (eff 1/1/10 ):  12/24 Month Lock – If you select the dental plan, you must remain in the plan for a minimum of 12 consecutive months before you can waive coverage.  If you add a dependent midyear, both you and the dependent must remain in the plan for a minimum of 12 consecutive months before you can waive coverage or drop dependents.  Only a “Qualified Status Change Event” causing a loss of dependent status will allow for a reduction in dependent coverage without fulfilling the 12 consecutive months requirement.

If you drop coverage for yourself or a dependent, coverage under the dental plan will not be available until 24 consecutive months have passed.

The Retiree Dental Plan does not coordinate with itself.  Therefore you may only be enrolled in one County-sponsored retiree dental plan.  You may not be enrolled in the Dental plan as a retiree and as a beneficiary or as a spouse of another retiree.  Children may only be enrolled as dependents of one retiree.

A list of Dentists can be obtained by calling 1-800-986-3343 or logging onto to Principal's website at  This list will identify those dentists who can provide care for individuals who have mobility impairments or have special health care needs. 

Inquire about the availability of documents in alternate formats. 

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