Tag: retirement

Dental & Vision Insurance Benefits in Retirement

August 23, 2025

Are they worth it? It depends on your situation.

My husband and I early retired three years ago. As a teacher, our health insurance would continue with my pension benefit – but my district does not offer retiree dental/vision like some other districts in the area. Instead, we were able to continue our dental and vision coverage under under COBRA provisions for 18 months at employee rates. Had I known the rates would continue at what I paid as an active employee, I would have bumped up to a higher level coverage on the dental during open enrollment.

Once COBRA benefits ended, I researched other options available to us through various affinity groups. We chose to go with plans offered through my FSU Alumni connection for a 12 month trial period. After only six months, I can report we will definitely continue our vision plan and cancel the dental once my current plan of treatment is concluded. Why? For us, the dental plan has such a limited network of local dentists, plus a low reimbursement rate that isn’t anywhere near average rates for services in our area. We knew our current dentist wasn’t in network, but the reimbursement rates through my previous employer’s coverage were reasonable given the monthly premiums paid. Had I been able to access actual reimbursement rates before enrolling in the individual dental policy, I would have declined. For us, self-pay is definitely cheaper compared to having an individual dental insurance policy.

Photo by Cedric Fauntleroy on Pexels.com

Has it really been three years since I left teaching?

May 22, 2025

A picture of me from the 2022 EOY school faculty celebration popped up in my FB feed yesterday. Has it really been three years since I walked out the schoolhouse doors into early retirement?

I remember being equally scared and excited that day. Past ready to leave the day job, but wondering what the future would hold. We stuck to our financial plan and things worked out – despite everything that came our way. It was certainly an adventure as my husband and I tried all sorts of activities to see which ones we liked best. Volunteering and travel are still at the top of the list.

Three years later, I am now officially retired with the state teacher retirement system (I wasn’t old enough to collect retirement benefits when I left my job). Sadie and I have our weekly school based read-to-a-dog program and a number of really cool opportunities for therapy dog visits each month. I am an instructor at the Southeast Quilt & Textile Museum. I am also actively involved with the East Cobb Quilt Guild and sew with friends regularly. I found my tribe. My mind is engaged, I’m learning new things, plus giving back to the community. Life is good.

Teaching seems like another lifetime ago.

My laptop, keys and badge ready to be turned in on my last day as a public school teacher.

Our R.E.A.D. program begins

December 12, 2024

Big Girl is demonstrating what good listeners do while waiting for our next student. What you don’t see is a small group of special needs students being read to by a teacher in the opposite corner of the library. Sadie’s being quiet, listening attentively and watching the speaker.

We have four students we’ll see each week – 3 boys and 1 girl with very different reading levels and backgrounds. Sadie was so excited to get to work this morning! The front office buzzed us in and she led me straight to the library once I obtained my visitor pass. Zoomies around the library while I set up and an enthusiastic greeting for our first reader made for a great session. We worked on assigned reading passages together and students learned to use text evidence to figure out the correct answer to the comprehension questions. A little bit of test taking strategies thrown in there too, but it’ll help come time for Milestones testing next spring. This is exactly what I wanted to do in retirement.

P.S. I understand her friend Barney (the K-9 dog assigned to the school) stopped by to check on us, but we were busy with a student and he didn’t want to interrupt.

In other news:

Next week marks my final Monday enrichment class at CAA. My rolling tote is already packed for the lesson and activities. I’ll spend some time this weekend weeding my general craft supplies and gifting a couple of teachers the bulk of them. In late January, Sadie and I will return to CAA as literacy volunteers on Thursday mornings. This could morph into a homegrown read-to-a-dog program as there is another family in the school community who also has a certified therapy dog.

Our therapy dog work is definitely influenced by the academic calendar. Most school and library visits wrap up by mid-May. Summer months tend to be slower with random summer camps and corporate event visit opportunities. Sadie and I try to make one visit in June and another in July/August. Our established school and library programs typically resume after Labor Day.

Someone asked about the cost of being a therapy dog volunteer. There are certain requirements as to attire/accessories for the handler and dog. You’ll definitely need at least one logo shirt, harness/scarf for your dog and a 4′ leash. Besides the $40 in annual dues to the national organization, it’s really up to you. The more visits you do, the more it will cost in terms of dog grooming, logo attire for you and transportation costs. If you do kid and young adult visits like Sadie & I do, you will also need to budget for trading cards, stickers, pencils, bookmarks and other swag to pass out on visits. It all adds up to a few hundred dollars each year plus my time. Money and time well spent, in my opinion.