Assurant Employee Benefits, Kansas City, Mo., has announced the addition of a new dental plan option, Preventive Max Waiver, to its Lifetime of Smiles program. With Preventive Max Waiver, dental plan members can now receive coverage for preventive dental services without the fees for the services counting toward their annual benefit maximum. As a result, members have more benefit dollars available for other, more significant dental procedures that they may need.

According to internal data*, the national average for two exams, two cleanings and a set of bitewing X-rays is $281. Without Preventive Max WaiverSM, that amount would be subtracted from an insured’s annual benefit maximum, leaving a member who has a $1,000 annual maximum with just $719 in benefits for the year. With Preventive Max WaiverSM, the same plan member would have a full $1,000 in benefit dollars remaining to use during the year.

Preventive Max WaiverSM is the latest addition to Assurant Employee Benefits’ Lifetime of Smiles(R) program, which focuses on the company’s commitment to oral health. It is available with many Assurant Employee Benefits dental plans. For added value, Preventive Max WaiverSM can be combined with Family Share Max, the dental plan introduced last year that allows family members covered under the same policy to pool their dental benefit dollars and use them in the way that best fits their particular needs.

For more information, visit www.assurantemployeebenefits.com.

*2008 internal claims data for Union Security Insurance Company and Union Security Life Insurance Company of New York.