Along with many others, 'Bent has carried pandemic insurance on his dental practice for his entire career. It's supposed to pay out within 24 hours and it would cover about one month's wages for his employees. Yesterday the insurance company asked for yet *another* week to decide whether they were going to pay Canadian dentists.
Their loophole is that the office closures are "voluntary" even though it is illegal in Ontario to do any dentistry except to treat a short list of "true emergencies" defined by the dental governing body, using a subset of the usual techniques (no high-speed drills) and only if the patient has no symptoms. 'Bent estimates that 1-2 patients per month might fall in that category and he will direct most of them to the dental emergency clinic in Newmarket. He has donated most of his masks and gloves to the local hospital, as dentists were asked to do.
Given that true dental emergencies can be extremely serious - even life threatening in rare cases - the government could never order all dental offices to shut down completely. So pandemic insurance could never be claimed, apparently. We'll see what they decide next week.
Originally, I didn't name the insurance company but the Globe and Mail posted an article about this today. I just read the comments and it seems that 50% of commenters think insurance companies are crooks and 50% think dentists are crooks. Sorry, 'Bent.
https://www.theglobeandmail.com/business/article-d...