Retiree Dental Insurance

Dental Insurance for Retiring State Employees

As a state employee, the dental plan you may be receiving today, is not part of your health insurance and does not automatically continue when you retiree. At the time you retire, you may continue your dental coverage under COBRA or the Emblem Health Retiree Preferred Plan. If you are a PEF retiree, you have a third option—the Sun Life Financial Dental Plan.

The Sun Life Financial Dental Plan

As a PEF Retiree Member, you may choose to participate in dental coverage through Sun Life Financial. If you are a state employee, you must first join the PEF Retirees by completing a PEF Retiree enrollment form. An enrollment form, plan overview, and dental comparison chart are available below for your use.

PEF Retiree Enrollment Form

PEF Retiree Sun Life Financial Dental Plan

Dental Plan Comparison Chart

Information on COBRA & Emblem Health


  • If you receive your dental plan through the state, your dental plan will end 28 days after the last day of the last payroll period in which you worked.
  • To continue under COBRA, contact the Employee Benefits Division within 60 days from the date coverage ends at (518) 457-5754 or (800) 833-4344.
  • If you retire prior to the age of 65, your COBRA plan continues for 36 months or until age 65 (whichever comes first).
  • At the end of the 36-months you must be allowed to convert to a direct-pay conversion contract with Emblem Health Retiree Preferred Plan (formerly GHI) or enroll in the PEF retiree dental plan.
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Emblem Health Retiree Preferred Plan

For information on the Direct Payment Plan through Emblem Health Retiree Preferred Plan, contact (800) 947-0101.