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Volume 98 Number 2 Summer 2013


A Publication of the Kansas Dental Association www.ksdental.org
In This Issue...
KDA Simmer Getaway 1
Presidents Message 2
Weno Takes Position at CDC 3
KDA Football Tailgate 5
From the Ofce 6
Dental Board Appointments 7
KDCF Update 11
Editorial 13
Classifed Advertisements 15
Weve heard that
at least a few den-
tists are receiving
phone calls from vendors selling fed-
eral and state labor law posters. Fed-
eral and Kansas State law requires
that certain posters be displayed in
the work place. Businesses are re-
quired to display as many as nine
posters; only eight if not employing
anyone under 18 years of age.
The KDA provides new members
with a copy of the labor law poster
as a member beneft. From time to
time, these pages are updated. A
new Workers Compensation Rights
and Responsibilities page is avail-
able for accidents on or after April
25, 2013. This will replace the page
K-WC 40 (Rev. 5/11) located below
the Federal Minimum Wage page.
The Kansas Department of Labor
website has links to required posters
for both federal and state.
Labor Laws
Posters
The Kansas Dental Association held its frst webinar
featuring Mike Terrell of the Cincinnati Insurance Com-
panies. The one-hour session covered Dentists Risk
Management. The webinar was recorded and will be
made available to KDA members on-demand.
The webinar session covered a number of topics, includ-
ing the primary types of treatment involved in paid
claims, communication issues, record keeping errors,
severity of claims as well as the importance of develop-
ing and maintaining rapport with patients.
According the American Dental Association, 14.3% of
all claims are because of failed root canals, Terrell said.
Because of this, you might consider referring these
cases to a specialist.
Among claims paid, Ter-
rell says, crown and bridge
account for 21.8% and root
canals 20%.
In many cases, patients
will opt to refuse treat-
ment, Terrell says. While
KDA Hosts 1st Webinar
Had an excellent timesuper mix
of social, family and CE! was just
one of the comments from a Kansas
dentist who atended the KDAs frst
Annual Summer Getaway! North
Michigan Avenue on Chicagos
world famous Magnifcent Mile
was the backdrop within walking
distance of Navy Pier, ADA Head-
quarters, the Magnifcent Mile Shop-
ping, Rush Street, Lake Michigan,
and El stations. The MileNorth Hotel
provided the perfect location near
Watertower Place for our atendees.
The schedule for the Getaway was
put together with the ability to
Members Enjoy First Annual Summer Getaway in Chicago!
The annual football tailgate has
become a tradition for the KDA and
its members. The KDA member-
ship will return to the campus of
the University of Kansas for the 8th
Annual KDA Tailgate on Saturday,
October 19 in Lawrence. The tent
has been reserved on KUs Cam-
panile Hill near Memorial Stadium
and planning is underway for the
Tailgate which includes a delicious
enjoy the sights and sounds of the
Windy City while also completing
continuing education sessions and
it was defnitely a popular decision
as many of comments refected the
thoughts of this satisfed dentist,
Loved the format and schedule.
Prior to the meeting, atendees
enjoyed a beautiful rooftop recep-
tion and view of Chicago on the
29th foor the Mile Norths C-View
Lounge. Others atended a pregame
reception at Wrigley Field prior to
enjoying the Chicago Cubs versus St.
Louis Cardinals baseball game from
premium feld box seats. We were
KDA members enjoyed the sunset over the famous Chicago skyline
aboard the Mystic Blue Dinner Cruise on Lake Michigan - one of the
many social events held during the KDA Summer Getaway in July
As Cubs players were warming up for the
game against the St. Louis Cardinals, KDA
attendees had the opportunity to have their
picture taken at Wrigley Field
KU to Host KDA Football Tailgate
selection of tailgate food and your favorite beverages
prior to kickof. This years Tailgate will feature KU
hosting their Big 12 rivals from Oklahoma.
Tickets for the tailgate and the game can be purchased
for $115. If you already have tickets to the game or just
want to atend the 2013 KDA TAILGATER, a ticket to
the tailgate-only can be purchased for $60.
Please join us beginning three hours before kickof
on the Hill on the South side KUs Memorial Stadium
for the KDA Tailgater; just look for the KDA Banner!
(kickof will be determined by the Big 12s TV partners
two-weeks prior to the game). Weve taken care of the
location, the food and the beverages. Wear your crim-
son and blue (or crimson and cream) and join us for the
fun and cheer your favorite team on to victory!
vs.
Continued on page 8
Continued on page 15
2
It is with great honor and humility that I write my frst
message as the President of the Kansas Dental Associa-
tion. It is truly a great privilege to have been elected the
President of the KDA.
When I was frst elected Vice President of the KDA, Dr.
Jef Stash and Dr. Jon Tilton came up to me and asked
me what my agenda was. I let them know at that time
that I did not have a personal agenda, I just wanted
to do the best I can for the profession of dentistry in
Kansas. I agree with our past presidents; we need to
protect our profession and our patients and I am com-
mited to doing so. I believe there are three essentials
the KDA must continue to focus on to ensure success in
achieving these goals: consistent Executive Commitee
initiatives; preserving our relationship with our state
legislatures; and a strong membership.
We are blessed to have a great legacy of past presi-
dents; their past initiatives were designed to protect
our profession and provide advocacy for the patients
we serve. Our Executive Commitee is commited to
continuing to protect our profession and our patients
and has set into motion priority planning to focus the
initiatives and direction of the KDA with consistency
and longevity. In addition to our Executive Commitee,
we also have a very involved Board of Delegates and
membership who are dedicated to our profession and
patients. I want to thank all of them for their contin-
ued involvement and willingness to take the time out
of their busy schedules and away from their families.
With their help, we have flled all of the Council and
Commitee appointments for 2013-2014. The Executive
Commitee, BOD and council and commitee members
are actively working for the bet-
terment of our profession and our
patients as well. Please take the time
to thank all of them when you get a
chance.
Another way for us to protect our
profession and advocate for our
patients is for our membership to
continue to build and foster rela-
tionships with our state represen-
tatives. This is a constant efort on
behalf of our membership. It often
starts with participation with our
local dental societies and personal
relationships with our patients who
may be representatives. If you can-
not get involved with your local
dental society please spend time
with your state representative and
senator. This year KDA Dental Day
will be Thursday, February 6, 2014.
This is an excellent way to meet
your representatives and show you
care about your profession and the
quality of care the patients of Kan-
sas deserve. Try to make this an an-
nual trip to Topeka for Dental Day.
Finally, our membership base is the
fundamental strength of our organi-
zation. With your membership we
are able to have a strong voice in
Topeka, Chicago, and Washington
DC. Without it
we are vulner-
able to organi-
zations that are
more interested in agendas that do
not always put our profession and
patients frst. I cannot emphasize
enough how important member-
ship is, as several states are at risk
of losing delegates to the American
Dental Association House of Del-
egates as their membership levels
decrease. As a state it is impera-
tive that we work on growing and
maintaining our membership. Take
the time to reach out to those new
dentists that you know and invite
them to join and stay commited to
organized dentistry. Further, invite
those non-member dentists that
have stopped participating to re-
join and get involved in their local
or state level dental societies. Ask
them what would add value to their
membership beyond the core of
protecting our profession and our
patients.
The KDA is doing a lot of very
exciting things for our state. Ac-
cording to the Kansas Dental Board,
more dentists are practicing in
Dr. Jason E. Wagle
KDA President
PresIdenTs Message
Continued on page 3
3
JKda
Journal of the Kansas Dental Association
ISSN# 08887063
PUBLISHED QUARTERLY BY
Kansas Dental Association
5200 SW Huntoon
Topeka, KS 66604-2398
EDITOR
Dr. Eugene F. McGill
MANAGING EDITOR
Kevin J. Robertson, CAE
PRINTING
Jostens
4000 SE Adams
Topeka, KS 66609
PRODUCTION
Niki Sadler
KDA Executive Committee
PRESIDENT
Dr. Jason E. Wagle
PRESIDENT-ELECT
Dr. Cynthia E. Sherwood
VICE PRESIDENT
Dr. Steven L. Hechler
SECRETARY
Dr. Paul Nick Rogers
TREASURER
Dr. John T. Fales, Jr
IMM. PAST PRESIDENT
Dr. Craig W. Herre
Although the KDA publishes authoratative news,
commitee reports, articles and essays, it is in no
respect responsible for contents or opinions of the
writers. Advertising rates and circulation data will be
furnished by request.
Annual subscription price is $5.00 for member den-
tists, $25.00 for non-members, and $40.00 for Canada
and foreign mailings. Single issue price is $10.00.
our state. The KDA, with fnancial
support from the Delta Dental of
Kansas Foundation, launched the
Kansas Initiative for New Dentists
Continued from page 2
Presidents Message
september
2 Ofce Closed for Labor Day
3 KDA Ofce Hours return to 8:30A-5P Monday-Friday
9-10 Wichita Tri-Distrct Meeting, Wichita
11 First District Meeting, Kansas City
14 Kansas Pre-dental Consortium, Lawrence
15-16 Southeast Kansas District Meeting, Pitsburg
16 Seventh District Meeting, Wichita
19 Flint Hills District Meeting, Emporia
23 Fifth District Meeting, Overland Park
27-28 Central District Meeting, Hutchinson
October
16 Topeka District Meeting, Topeka
18 KDA Board of Delegates, Lawrence
19 Annual KDA Football Tailgate, Lawrence
31 American Society of Dental Executives Mtg, New Orleans
november
1-5 ADA Annual Session, New Orleans
4 ADA Ofcer Elections
(Dr. Bert Oetmeier, ADA 2nd VP Candidate)
7-8 Oral Health Kansas Conference, Overland Park
28-29 KDA Ofce Closed for Thanksgiving
december
5-7 ADA Lobbyist Conference
24-25 KDA Ofce Closed for Christmas
Kda
Calendar
of events
(KIND) Program to help increase
the number of dentists in rural com-
munities creating quality access to
care for patients by helping to pay
of student loans and providing
start up grants for dentists. This
year the KDA introduced a destina-
tion retreat, the KDA Summer Get
Away, a chance for our members to
join in social activities and continu-
ing education in Chicago. And the
KDA is now hosting webinars, cre-
ating opportunities for our members to get continuing
education credits wherever they are in the world.
In summary, my mission for the next year is to do the
best I can to protect the dental profession and patients
of Kansas and help in developing and maintaining
initiatives that do so. I would also like to encourage
our members to develop and maintain relationships
with our state legislatures and work on growing value
added membership. As always, I am available to hear
members questions or concerns and can be reached by
email drwagle@moxleywagle.com.
Jason E. Wagle, D.D.S., P.A.
Dr. Katherine
Weno who heads
the Bureau of
Oral Health
for the State of
Kansas, has been
selected as the
new director of
the division of
oral health at the U.S. Centers for
Disease Control and Prevention in
Atlanta. Her 22-year medical and
public health career has focused
on oral health practice and promo-
tion, public health dentistry, and
Dr. Kathy Weno to Head Division of Oral Health at CDC
legal and policy issues at the heart
of making oral health available for
all, especially the most vulnerable
populations.
Dr. Weno has served as an advi-
sor to state and local governments,
agency staf, oral health profes-
sionals, and the general public on
the science of oral health, includ-
ing community water fuoridation,
evidence-based dentistry, dental
public health, dental education,
infection control, Medicaid, and
access-to-care interventions. Under
her leadership, oral health activities
in Kansas expanded from a single employee working
within a branch in another bureau to a free-standing
bureau that directs oral health programs in 88 of Kan-
sas 105 counties.
Dr. Weno received her DDS in 1991 from the Univer-
sity of Iowa College of Dentistry. She was licensed by
the Iowa Board of Dental Examiners in 1991 and the
Kansas Dental Board in 2006. She received her JD in
1999 from the University of Iowa College of Law and is
a member of the Iowa Bar (1999-present), the Missouri
Bar (2001-present), and the Kansas Bar (2006-present).
She was in private dental practice from 1991 through
2000, and she began her legal career in 2001 as an at-
torney before providing legal aid to HHSs State Chil-
drens Health Insurance Program in Missouri from
2001 to 2006. In 2006 she joined the Kansas Health
Department.
On the national level, Dr. Weno has been a member of
the Association of State and Territorial Dental Direc-
tors (ASTDDs) Board of Directors for two years and
currently serves as treasurer of the organization. She is
a mentor for new state Dental Directors and oral health
program staf in ASTDDs mentorship program and is
the chair of the ASTDD Leadership Commitee.
When a defning moment comes along,
you can do one of two things. Defne the
moment, or let the moment defne you.
- From the movie Tin Cup
4
The Kansas City Kansas Area Chamber of Commerce
presented the 2013 New Small Business of the Year
Award to Amazing Smiles of Kansas City. The Award
was presented at the KCK Chambers annual Small Busi-
ness Awards Luncheon at Sporting Park on June 7.
Amazing Smiles of Kansas City provides patients with
amazing smiles through cosmetic and family dentistry.
Dr. Kelly McCracken and her highly trained staf pro-
vide for simple dental needs such as teeth cleaning to
the most complex dental needs including oral surgery.
They have a goal to make patient visits convenient,
friendly and comfortable by using the latest technology
and methods in the feld of dentistry.
McCracken graduated from Kansas State University in
2002 with a degree in Management Information Systems
and Marketing. She took a job in sales with Xerox for
three years before accepting a position with Biolase. It
was during this time, she says, she began thinking about
dental school.
When I took the position, I wasnt thinking about medi-
cine or dentistry at the time. But I was traveling non-
stop, she said. I also didnt feel like I was ofering some-
thing for the general good. Since I was seeing dentists
every day, I began asking them what they thought about
the profession. I told them to give it to me straight.
She spoke to more than a hundred dentists and with the
exception of just a few, she
says, they thought dentist-
ry was a great profession.
For two years, McCracken
worked on her science pre-
requisites for dental school
admission and in 2008,
she began dental school at
Dr. Kelly McCracken Receives KCK Chamber
New Small Business of the Year Award
the University of Missouri - Kansas
City School of Dentistry where she
graduated in 2012.
McCracken was nominated for the
New Small Business of the Year
Award by one of her patients and by
the sister of the late Dr. Ron Pavi-
cic who passed away on January
15, 2012. McCracken took over the
practice from the estate after dental
school graduation.
It was a great honor to be nomi-
nated both by a patient and to have
Dr. Pavicics sister see me as worthy
of living up to his legacy, she said.
Being recognized for charity work
is awesome. I am lucky that our
team has the same charitable beliefs.
Its very important to us.
There has been an increased interest in selling and the use of hand held
x-ray units in Kansas. KDHE is aware there are several handheld x-ray
devices on the market so the following information has been developed
to help registrants who are considering purchasing a handheld x-ray
device to remain in compliance with the Kansas Radiation Protection
Regulations. The use of handheld x-ray devices are not allowed under the
regulations without a waiver from the Kansas Department of Health and
Environment, Bureau of Environmental Healths Radiation and Asbestos
Control Section. Only one company currently has requested and been
granted a waiver for the device to be handheld. If you are considering
purchasing a handheld device contact our ofce at (785) 296-1560 to de-
termine if the device is in compliance with our regulations.
Kansas Radiation Protection Regulations may be found at:
www.kdhe.state.ks.us/radiation/regs.html. Paper copies may be received
by calling (785) 296-1560.
KDHE Informs Registrants Who
Consider Handheld X-ray Units
5
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Use it anywhere you would request a traditional glass
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Ultimate_JKDS_Aug.indd 1 7/19/2013 7:51:51 AM
Photo courtesy of John Roever
2013 KDA
TAILGATER
OcTObER 19, 2013
University of Kansas
Campanile Hill
Memorial Stadium
Lawrence, KS
Limited Tickets Available! (Limit 5
game tickets per member dentist)
Member dentist must attend game
Tailgate Tent on the Hill will open
three hours before kickoff (TBA)
Tailgate includes catered burgers
and brats with all the extras!
Beer and other beverages will be
provided.
Tickets can be picked up at the Tail-
gate Tent before the game. Kick-off
time will be announced approximately
two weeks prior to the game. Official
game time will be available at www.
ksdental.org and will be sent to you via
email.
$115 Game Ticket and Tailgate*
$60 Tailgate Only
* Game Ticket and Tailgate price includes
game ticket at face value.
TIcKETS
If you already have a game ticket
or are not going to the game, come
join the fun and tailgate with your
colleagues before kickoff! Dont miss
this KDA social event!
6
FrOM The OFFICe
You may have noticed that I recently
updated my professional photo! It
has been something Ive needed
to do for a while but fnally made
the appointment at the photogra-
pher to get the job done. Whats the
hurry? I havent changed from my
old picture that shows a defnitely
younger Kevinor have I? We look
in the mirror each and every day
at the same face and hardly notice
just ONE new gray hair, or a deeper
wrinkle or an extra pound. As a
day-to-day occurrence change is
gradual and oh so subtle. But then
we pick up the scrap book and look
at pictures of our recent high school
graduation that was 15, 25, 35, 45
years ago or of our once young
children (or grandchildren) that are
now graduating from high school or
collegeand THEN it hits you! Time
is fying!!!
It can be like that with your dental
practice. Youve always provided
great care, but when you think back
to the procedures and technology that were common-
place when you started your practice you realize how
much things have changed from the front ofce to the
operatories! Hand writen patient reminder post cards,
belt driven hand pieces, all amalgam restorations, shelves
of patient fles, truly wet fngered dentistry, fxer and de-
veloper for radiographs, scheduling books, ortho bands
on every tooth, and so on are being found more and more
in dental museums as opposed to dental ofces.
At the KDA we still work to provide members with
practice resources and information, but the delivery of
this information is an ever changing event depending on
the latest Apple or Microsoft product launch. Web-based
services like Skype, webinars, social media, member
database management, Photoshop, digital imaging, etc.
all have changed the way we operate and communicate
with members. The only thing that hasnt changed, or so
it seems, are the issues. Third party payor, membership
retention, workforce, Medicaid, community fuorida-
tion, access, governance have all been ongoing issues
during the 16+ years that I have been at the KDA and
probably will be for the next 16 years.
So it begs the question - are we, your dental practice,
the KDA or even the dental issues that were looking
at today really the same? Id like to think the answer is
noand yes. There are core values and issues that dont
change with time. Integrity, ethics, work habits, reputa-
tion, and customer service are in every individual dental
practice and association and business that is constant. I
would add chair side manner and quality of care among
others with a dental prac-
tice to this list. In these
ways we are all the same,
but time has a funny way
of creating knowledge
through life lessons and
experiences that continu-
ally mold and shape us.
Many of the same dental
issues have persisted, but
are they really the same?
DENTAL PRACTICE TRANSITIONS
Take this Summer
(and all future Summers) off!
ALL TIME HIGH.
Take some time to talk to your PARAGON practice transition
consultant and find out what the current market value is for your
dental practice.
Consider selling it at its peak, maybe even before the nice weather
starts. After all, how many summers do we get?
Many professionals believe that the
value of your dental practice may be at an
Contact us at 866.898.1867 or info@paragon.us.com
Sign up for our free newsletter
at paragon.us.com
Approved PACE ProgramProvider
FAGD/MAGD Credit
Approval does not imply acceptance by a state or
provincial board of dentistry or AGD endorsement
4/1/2012 to 3/31/2016
Provider ID# 302387
C
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KS-JUN-2013.pdf 1 6/5/13 9:55 PM
Kevin Robertson, CAE
KDA Executive Director
Lets explore the issue of workforce.
Sixteen years ago, most of the dis-
cussion was about the lack of dental
hygienists and the KDA had just
fnished working to create the new
distance learning dental hygiene
program at Colby Community Col-
lege led by Dr. Roger Rupp termed
WIKAN. In addition, the KDA was
concerned about a recent ruling by
the Kansas Dental Board not allow-
ing dental assistants to polish teeth
as part of a prophy. These issues
together would result in the eforts
in 1998 to allow dental assistants
to polish and scale teeth above the
gumline.
Today, dental workforce issues
center around the number of dentists
and their location in and around the
state. As a result, there has been a
close examination of programs that
will create opportunities and incen-
tives to encourage dentists to locate
in underserved areas of the state.
The KDA, partnering with Delta
Dental of Kansas Foundation, cre-
ated the Kansas Initiative for New
Dentists (KIND) program which
awarded its frst three $25,000 schol-
arships in 2013 to students interested
in practicing in underserved areas of
Kansas. The KDA is currently part-
nering with Oral Health Kansas and
others, on a grant from the Denta-
Quest Foundation, to design pilot
programs to primarily provide den-
tal care to rural and elder Kansans.
As for the ADA and KDA, current
membership issues are moving from
simply retaining new dental school
Continued on page 9
Sunday, Nov. 3, 5:30 a.m. - 5:30 p.m.
For the frst time, the ADA will host a free dental clinic in con-
junction with the Annual Session. Building on the success that
more than 25 states have had with Mission of Mercy (MOM)
programs, the ADA is ready to bring big easy smiles to the faces
of New Orleans.
During MOM, oral health care will be provided to approximately
1,000 local residents on a frst-come, frst-served basis. Services
include basic dental care such as fllings, extractions and clean-
ings. Limited lab work will also be ofered.
The care will be provided by volunteers from around the coun-
try in a temporary 100-chair clinic set-up at Mardi Gras World,
which is just south of the New Orleans Ernest N. Morial Conven-
tion Center.
Thats where you come in. If you are a dentist or dental hygien-
ist and hold a current dental license in any state, we can use your
help in providing care. Even if you dont hold a dental-related
license, we can still use your help and anyone 18 years of age
or older for numerous support positions
For more information and to register visit www.ADA.org\MOM.
ADA to Host Mission of
Mercy During ADA Annual
Session in New Orleans
7
A Wichita dentist believes a patient may have atempted to fraudulently
obtain prescription drugs, claiming to be new to the city and using various
aliases. When asked for identifcation, the patient went to the car and drove
of. According to the dentist, All other information on the form is fraudulent
upon verifcation.
The patient is a Caucasian female, mid to late 30s with blonde hair. She had
a male child, approximately aged four. The patient may be actively seeking
prescription drugs using upward to thirty diferent aliases.
As a dentist, particularly when prescribing drugs, you have a high responsi-
bility to help protect society from drug abuse. Under KSA 21-36a08, provid-
Must be seen right away;
Wants an appointment toward
end of ofce hours;
Calls or comes in after regular
hours;
States he/shes traveling through
town, visiting friends or relatives
(not a permanent resident);
Feigns physical problems, such
as abdominal or back pain, kid-
ney stone, or migraine headache
in an efort to obtain narcotic
drugs;
Feigns psychological problems,
such as anxiety, insomnia, fatigue
or depression in an efort to ob-
tain stimulants or depressants;
States that specifc non-narcotic
analgesics do not work or that
he/she is allergic to them;
Contends to be a patient of a
practitioner who is currently
unavailable or will not give the
name of a primary or reference
physician;
States that a prescription has
been lost or stolen and needs
replacing;
Deceives the practitioner, such
as by requesting reflls more of-
ten than originally prescribed;
Pressures the practitioner by
eliciting sympathy or guilt or by
direct threats;
Utilizes a child or an elderly
person when seeking methyl-
phenidate or pain medication.
PATIENTS
SEEKING
DRUGS
ing false information to a practitioner or mid-level prac-
titioner for the purpose of obtaining a prescription only
drug is a Class A nonperson misdemeanor, except when
the person intends to distribute. The dentist can and
should notify authorities if it is believed that a patient is
seeking drugs unlawfully.
A program known as K-TRACS tracks all schedule II, III
and IV controlled substance prescriptions and drugs of
concerns dispensed to patients in the state of Kansas. Dentists can sign up
for the free program by visiting htps://pmpaware.net or by contacting the
Kansas Board of Pharmacy at 785-296-4056. The dentist can simply enter the
frst and last name of the patient along with the date of birth and pull the
prescription history of that patient since 2010 of those controlled substances
distributed in Kansas.
The United States Department of Justice published guidelines to help recog-
nize a drug abuser and the methods often used to try and seek drugs:
Modus Operandi Often Used by a Drug-Seeking Patient Include:
Think your patient might be seeking drugs? Heres what to look for.
Common Characteristics of the Drug Abuser:
Unusual behavior in the waiting room;
Assertive personality, often demanding immediate
action;
Unusual appearance - extremes of either slovenli-
ness or being over-dressed;
May show unusual knowledge of controlled sub-
stances and/or gives medical history with textbook
symptoms OR gives evasive or vague answers to
questions regarding medical history;
Reluctant or unwilling to provide reference infor-
mation. Usually has no regular doctor and often no
health insurance;
Will often request a specifc controlled drug and is
reluctant to try a diferent drug;
Generally has no interest in diagnosis - fails to keep
appointments for further diagnostic tests or refuses
to see another practitioner for consultation;
May exaggerate medical problems and/or simulate
symptoms;
May exhibit mood disturbances, suicidal thoughts,
lack of impulse control, thought disorders,
and/or sexual dysfunction;
Cutaneous signs of drug abuse - skin tracks
and related scars on the neck, axilla, forearm,
wrist, foot and ankle. Such marks are usually
multiple, hyper-pigmented and linear. New
lesions may be infamed. Shows signs of
pop scars from subcutaneous injections.
DO
DONT
perform a thorough examination
appropriate to the condition.
document examination results
and questions you asked the
patient.
request picture I.D., or other
I.D. and Social Security number.
Photocopy these documents and
include in the patients record.
call a previous practitioner,
pharmacist or hospital to confrm
patients story.
confrm a telephone number, if
provided by the patient.
confrm the current address at
each visit.
write prescriptions for limited
quantities.
take their word for it when you are suspicious.
dispense drugs just to get rid of drug-seeking patients.
prescribe, dispense or administer controlled substances outside the
scope of your professional practice or in the absence of a formal practi-
tioner-patient relationship.
What You Should Do When Confronted by a Suspected Drug Abuser
Dr. Glenn Hemberger, Overland Park, has been
reappointed to a four-year term on the Kansas
Dental Board. Dr. Hemberger earned a bachelor
degree from St. Benedicts College and his doctor
of dental surgery from the University of Mis-
souri Kansas City. He currently owns a private
Governor Announces
Kansas Dental Board
Appointments
dental practice specializing in pediatric dentistry. The
Kansas Dental Board was created to carry out and en-
force the Kansas Dental Practices Act. The Board con-
sists of nine members: six licensed and qualifed resident
dentists (one from each congressional district and two
at-large), two licensed and qualifed resident dental hy-
gienists, and one representative from the general public.
Members of the Board are appointed by the Governor
for four-year terms and serve until their successors are
appointed.
Dr. Daniel Thomas, Leawood, has been confrmed for appointment by the
Kanas Senate to serve a four-year term on the University of Kansas Hospital
Authority. Dr. Thomas is a board certifed periodontist, serving both Kan-
sas and Missouri. He currently serves on the Kansas Board of Regents Oral
Health Task Force and is the Director of Kansas Arts Foundation. The Uni-
versity of Kansas Hopsital Authority is charged with being an independent
public authority with the mission of operating a teaching hospital for the
beneft of the university of Kansas medical center, providing high quality
patient care and providing a site for medical and biomedical research.
8
NAME: Doug
titlE: Dir. Professional Relations
An Independent Licensee of the Blue Cross and Blue Shield Association
P.1301
Like us on Facebook
We enjoy strong relationships with our network doctors, dentists and
hospitals which includes 99 percent of the physicians and 100 percent
of the hospitals in our service area. That allows our members nearly
unlimited choice of providers.
As medical care moves into the future, well continue to explore new and
innovative ways to partner with Kansas providers. Our goal is to promote
better medical outcomes, and affordability for all our members.
Doug works for your
future health.
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Client: Blue Cross Blue Shield
Magazine: Kansas Dental Association
Dimensions: 10x 8
Output Time: 07/12/2013
Chicago Getaway
Continued from page 1
After the Mystic Blue Dinner Cruise returned
to dock, Kevin Robertson (right) presented
the event sponsor sign to Tax Favored Ben-
efits reps Tim Gaigals (left) and Matt Kreher
(center) who unfortunately missed the
boat due to heavy Chicago traffic
Left to Right - Matt Miller and Jon Pointelin
of Nobel Biocare talk with sponsored speaker
Dr. William Cusack and host Dr. Jason Wagle
good luck for the Cubs as they defeated their long-time
rivals.
The afternoons were free following morning CE which
included an issues session and tour of the American
Dental Association headquarters,
and Dr. Fred Margolis and William
Cusack presenting on special needs
patients and a new prosthetic op-
tion respectively. The KDA planned
events like a womens day out wine/
cheese tasting at Fox and Obel,
Chicago River architectural cruise
among some of the tallest build-
ings in the world, an evening din-
ner cruise with the Chicago sky-
line silhoueted by the sunset, and
the chance to laugh with the gut
wrenching hilarity of the Second
City comedy troupe provided a mix
of Chicago experiences!
The KDA thanks the sponsors of the
Chicago Getaway.GC America,
Nobel Biocare, Tax Favored Benefts
(TFB), and Cincinnati Insurance.
The KDA looks forward to seeing
the Getaway grow! We know well
be seeing this happy dentist next
year...I had a GREAT time in Chi-
cago and I am defnitely going to
Colorado Springs in 2014!
KDA Going to Colorado Springs...
With Chicago behind us, its time to turn our atention to the Colorado
Springs Getaway June 5-7, 2014! We invite our members to the beautiful
Cheyenne Mountain Resort nestled against the Rocky Mountains. If youre
a golferyoull want to GOLF, GOLF, GOLF on the many beautiful golf
courses in the area. Other close by activities are Pike Peak/
Cog Train, Cripple Creek Casinos, whitewater rafting,
Cave of the Winds, Royal Gorge and so much more!
The KDA Council on Annual Sessions is currently
working on the program of continuing education and
activities for Colorado Springs and we welcome your input!
in 2014!
9
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The Kansas Dental Association has launched a mobile
app which is available for download in the App Store
and Google Play. To download, simply search Kansas
Dental Association in your app store. The new app will
bring together content from the KDA website (www.ks-
dental.org) along with social media from Facebook, Twit-
ter, our KDATVHD YouTube Channel, and Instagram.
The app is free and available to both member and non-
members.
Our new app is a great way to connect to everything
the Kansas Dental Association does online, said KDA
Assistant Executive Director, Greg Hill. It ties together
our website with our social media our members are
already following for a mix of local and national den-
tal news and stories of activities and events here at the
KDA.
The app is part of the KDAs strategy to deliver high
quality content for its members. The KDA will soon add
webinars, more video events and even content created
by our members.
Our members, like everyone else, are more mobile
and want and expect content to not just be current and
informative, but innovative as well, Hill said. With the
app, we can not only provide the content, but we can
also deliver push notifcations to alert our members to
graduates, to creating tangible
member value for all dentists in-
cluding those who choose to work
as employees in large group prac-
tices. The KDA, and particularly
the ADA, are quickly discovering
that to support the profession is
not an adequate reason for many
new dentists to join and invest
From the Office
Continued from page 6
important announcements and important news.
Users can access the latest stories posted on the KDA website, the KDAs
Twiter feed which has more than 3300 followers and is source for national
dental news, Facebook, YouTube and Instagram. Once the user has con-
nected their own accounts to the app, they can comment and like stories or
retweet just as they would in the native apps.
We hope our members will do more than just log in from time to time to
the app, Hill said. We want this to be one of the most widely utilized apps
our members use and we hope it will help develop a greater connection to
the KDA.
As part of this mobile strategy, the KDA shutdown the KDA.connect social
network on July 1st.
in organized dentistry. This is also
recognition that the practice demo-
graphic of dentistry is becoming
more of an employee model and less
of a private practice business owner
model. This topic will be explored
extensively by the ADA House of
Delegates when they meet New
Orleans.
There are virtually thousands of say-
ings, quotes and Proverbs regarding
time, but I think this quote that I came across from
Faith Baldwin wraps up my thoughts best, time is a
dressmaker specializing in alterations. As we keep
moving forward with the same old dental issues I
encourage you to remember that though the issues may
sound the same on the surface with simple catchy code-
names like access or Medicaid or third-party payor
or workforce these issues have truly changed and
evolved over the years. Please stay engaged and help the
older guy at the KDA ofce who is trying to help you
and your patients to THRIVE...not merely survive!
10
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New statements are required under
the Notice of Privacy Practices (NPP)
which go into efect on September
23, 2013. In the U.S. Department of
Health and Human Services fnal
omnibus rule under HIPAA which
implements the Health Information
Technology and Clinical Health Act
(HITECH), health care providers are
required to amend their NPP to com-
ply with the new rule.
Much has changed in health care
since HIPAA was enacted over ffteen
years ago, said HHS Secretary Kath-
leen Sebelius. The new rule will help
protect patient privacy and safeguard
patients health information in an
ever expanding digital age.
The ADA is ofering online CE
course on new HIPAA Privacy
Notices. htp://t.co/p5dK06f9uK @
AmerDentalAssn
The changes in the fnal rulemaking
NEW NOTICE OF PRIvACY PRACTICES TO GO INTO EFFECT
provide the public with increased protection and control
of personal health information. The HIPAA Privacy and
Security Rules have focused on health care providers,
health plans and other entities that process health insur-
ance claims. The changes expand many of the require-
ments to business associates of these entities that receive
protected health information, such as contractors and
subcontractors. Some of the largest breaches reported
to HHS have involved business associates. Penalties are
increased for noncompliance based on the level of negli-
gence with a maximum penalty of $1.5 million per viola-
tion. The changes also strengthen the Health Information
Technology for Economic and Clinical Health (HITECH)
Breach Notifcation requirements by clarifying when
breaches of unsecured health information must be re-
ported to HHS.
Covered entities are required to enter into a Business
Association Agreement with any individual or entity
that provides services through which they received
Protected Health Information (PHI). These agreements
must require that the business associate comply with the
following:
business associates are prohibited from using PHI in
a manner that would violate the Privacy Rule;
business associate must comply with the Security
Rule with respect to ePHI;
business associate may only use or disclose PHI as
permited by the Business Associate Agreement or
required by law;
business associate will report to the covered entity
any breach of unsecured PHI;
business associate will enter into
downstream Business Associate
Agreements with any subcontrac-
tors* and will take steps to cure
any breach by a subcontractor;
business associates may only use,
disclose or request the minimum
PHI necessary to accomplish
their business obligations;
business associate must disclose
PHI when required by the Sec-
retary of Health and Human
Services for investigation or
determining compliance with the
Privacy Rule, and to a covered
entity or an individual to satisfy
the covered entitys obligations
with respect to an individuals
request for access to PHI.
NPPs must now include a statement
that certain uses and disclosures of
PHI, such as some related to market-
ing, require an authorization. NPPs
should also be amended to refect
the prohibition on the sale of PHI,
breach notifcation requirements,
the right for patients to opt-out of
fundraising and the right to restrict
disclosure of PHI when paying out-
of-pocket.
The omnibus rule can be found on
the US Department of Health & Hu-
man Services website.
*a subcontractor is any person or entity
to whom a business associate delegates a
function, activity or service on behalf of
a covered entity.
The Notice of Privacy Practices (NPP) go into
effect on September 23, 2013... health care
providers are required to amend their NPP to
comply with the new rule.
11
neW MeMBers
Central District
Dr. Bradley Rachow, Liberal
Fifth District
Dr. Carole Gleich, Prairie Village
Dr. Travis L. Howard, Paola
Dr. Daniel Nielson, Olathe
Dr. Johnathan Smith, Shawnee Mission
Dr. Emily Sutherland, Prairie Village
Dr. David Vasquez, Olathe
Dr. Brent Wenzel, Olathe
First District
Dr. Angela Sullivan, Westwood
NW/GB District
Dr. Zach Chain, Manhatan
Dr. David Duniven, Manhatan
Dr. Karma Weeden, Junction City
Topeka District
Dr. Gena McGivern, Topeka
Wichita District
Dr. James Dillehay II, Wichita
Dr. Katie Neidig, Mount Hope
Dr. Kim Phan-Dinh, Wichita
Do you know of a new dentist in your community, a recent graduate, or even a new colleague in your
practice who is not on this list? Please contact the KDA at 785.272.7360 so we can invite them to be-
come a member.
KdCF UPdaTe
Greg Hill, JD
KDCF Executive Director
What a day!
With KMOM 2014 in Dodge City still
almost seven months as way, I took
a recent trip across the state to meet
with Dr. Richard McFadden and
Dr. Richard Stein, co-chairs for the
2014 Kansas Mission of Mercy. The
purpose of the trip was the chance
to meet with local organizers, com-
munity leaders and media outlets in
the community and talk about the
upcoming KMOM project.
We began the day with a visit to the
Dodge City Convention and Visi-
tors Center, followed by a stop at the
Dodge City Globe. In the afternoon,
we visited the Dodge City Chamber,
two radio stations, the television
station and the Western State Bank
Expo where the 2014 clinic will be
held. The next morning I stopped by
the ofce of the citys public infor-
mation ofce.
My point in mentioning this is not to
bore you with the details of a quite
exhaustive day. But rather, to point
out that at each of these stops, each
person we spoke with was energetic
about helping the Kansas Dental
Charitable Foundation make the
2014 Kansas Mission of Mercy suc-
cessful. I heard throughout my visit
how Dodge City is a community of
volunteerism and looking back at the
series of meetings and how many
people were already thinking about
how they might help with the proj-
ect, I see another successful KMOM
event on the horizon.
Its exciting for me as I talk with peo-
ple, particularly people who have
never volunteered at KMOM before,
who are as full of energy about our
event as I am. But you know what,
thats not just Dodge City; its the
entire state of Kansas. To me, thats
one of the many things that have
always made KMOM really special.
Its always about helping our neigh-
bors, giving back to a community,
and pardon the slogan, its about making a diference.
Who cant get excited about that?
What I saw in Dodge City is another community that
has opened its doors to us with a hand extended and
shirt sleeves rolled up, ready to work. So consider this
your formal invitation. Mark your calendars. On Febru-
ary 28 and March 1, I hope to see you in Dodge City.
At the KDA Annual Meeting in
April, Dr. Bert W. Oetmeier, Jr. an-
nounced his candidacy for 2nd Vice
President of the American Dental
Association. Election of the ADA
2nd Vice President will occur at the
ADA Annual Session on Monday, November 4 in New
Orleans. Delegates comprising the ADA House of Dele-
gates will cast their ballot for the position. The ADA 2nd
Vice President automatically ascends to 1st Vice Presi-
dent, thereby making the election a 2-year commitment
as an ofcer and member of the ADA Board of Trustees.
Here in Kansas we know Bert well, as he has been a
signifcant part of organized dentistry since 1994 when
he frst became a member of the KDA Board of Del-
egates representing the Fifth District Dental Society.
Eventually, Bert served as the President of the KDA in
2005 after holding the KDA ofces of Treasurer, Vice-
President and President Elect, the three previous years.
Bert is active in proposing and testifying in support of
legislation supporting patients rights with respect to
the assignment of benefts and equal reimbursements
for the patients who select non-network providers. He
was selected the KDA Dentist of the Year in 2007 and
received the KDAs Harry M. Klenda Award for Out-
standing Council Service in 2010 for his work on KDA
Council on the Dental Benefts supporting patient rights.
At the ADA level, Bert has been a delegate to the ADAs
House of Delegates since 2004 and is currently serving
a term that extends until 2014. He was appointed to the
ADAs Council on Dental Beneft Programs in 2006 and
Oettmeier Announces Candidacy
for ADA Second vice President
served as the Chair of that Council
in 2009-10. He chaired the ADAs
Code Revision Commitee in 2010-11
(later known as the Code Advisory
commitee which he also chaired in
2012). The work of these Commitees
updates and revises annually the
ADA Current Dental Terminology
(CDT) Code. Bert has been an ongo-
ing consultant to the ADA Council
on Dental Beneft Programs since
2010. He is a Fellow of the American
College of Dentists (ACD), hav-
ing been inducted in 1999. He was
Region 5 Regent for the American
College of Dentists Board of Regents
before recently being elected its
Treasurer.
Some of his other service in dentistry
has included Chair of the UMKC
School of Dentistry Rinehart Foun-
dation, a member of the Kansas
Health Policy Authority (KHPA) Ad-
visory Council and the UMKC Board
of Trustees (main campus).
Bert was born in Atlanta, Georgia
and spent the frst fourteen and a
half years of his life growing up in
small towns in Georgia and Florida.
His father took a job with Gulf Oil
Company in 1966, which brought
him to Kansas where he atended
Shawnee Mission South High School
in Overland Park and later went on
to be a 3-year leterman as defensive
end at Kansas State University.
As Bert continues his climb to big-
ger and beter things, hes put a
campaign commitee in place with
members from Kansas, Oklahoma,
Arkansas and Louisiana. He soon
will be busy puting together bro-
chures, lapel pins and other items
to make sure members of the ADA
House of Delegates know who he
is and what he stands for, but it all
takes money!
If youd like to help Bert with his
campaign to be ADA 2nd Vice Presi-
dent, please send a check payable to:
Oetmeier Campaign Funds
11533 Canterbury Circle
Leawood , KS 66211
12
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Dr. Nasser Barghi
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Dr. Peter Emily
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Dr. Robert Frazier
Dr. Randy Huffines
Dr. Rahim Karmali
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Ms. Kim Miller
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Also Speaking
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New home of the Rocky Mountain Dawson Academy!
Leaders of several major Kansas health organizations,
including the Kansas Dental Association, have been
awarded national foundation support to develop plans
to boost access to dental services in the state. Working
under the leadership of Oral Health Kansas, health policy
stakeholders will spend the next six months working in a
planning phase to identify strategies and pilot projects to
improve the dental care delivery system and its fnancing.
We are fortunate to have a culture in our state of col-
laboration, stated Tanya Dorf Brunner, Executive Direc-
tor of Oral Health Kansas. This collaborative spirit will
enable us to most efectively identify current barriers
that might be standing in the way of fully implementing
the current dental practices act as well as exploring po-
tential new models of reimbursement. Im pleased that
our states oral health provider community, with active
involvement from long term care facilities and hospitals,
are strongly engaged in addressing this policy issue. It is
an exciting time for us in Kansas.
The projects funding is a $100,000 national grant from
the DentaQuest Foundation which has launched a multi-
Kansas Receives Funding Support for Oral Health Partnership
year initiative Oral Health 2014 to
support state organizations whose
work will address state level barriers
to oral health care.
Through the Oral Health 2014 Ini-
tiative, the DentaQuest Foundation
is supporting the development of
strong local leaders who will stand
up for oral health in their communi-
ties, said Dr. Michael Monopoli,
Director of Policy and Programs for
the DentaQuest Foundation. The
current national focus on health and
oral health has created a window of
opportunity in states to make real
progress to improve the oral health.
Kansas stakeholders are well on
their way to make progress on their
target of improving the dental care
delivery system together.
Throughout Kansas, diferent chal-
lenges confront our citizens when
it comes to oral health, noted Rep.
David Crum, Chairman of the House
Health and Human Services Com-
mitee, News of this national grant
in our state comes at a great time as
we in the legislature explore policy
options. This work can help shape
informed policies.
The Kansas goals include:
Development of local pilot pro-
grams to strengthen local dental
care
Identifying barriers to access and
sustainable fnancial remedies
Broaden the stakeholder discus-
sions in exploring models to
improve the dental care delivery
system and reimbursement
Oral Health Kansas will submit
its fndings and recommendations
for implementation to DentaQuest
Foundation in late 2013 to be eligible
for the 2014 two-year implementa-
tion phase of the initiative. Work-
ing in partnership with Oral Health
Kansas on this endeavor are the
Kansas Dental Association, the Kan-
sas Hospital Association, Leading
Age Kansas and the Kansas Health
Care Association.
Oral Health Kansas is the states
oral health advocacy organization
formed 10 years ago to strengthen
the states oral health through edu-
cation, advocacy and public aware-
ness. For more information visit
www.oralthealthkansas.org.
The DentaQuest Foundation invests
in national and community-based ef-
forts to improve oral health through
its support of prevention and access
to oral health care, and through its
partnerships with funders, policy
makers, and community leaders.
The DentaQuest Foundation is sup-
ported by DentaQuest, a leading
oral health company, administering
prevention-focused dental benefts
to nearly 15 million individuals
across the US.
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Dr. Eugene McGill
JKDA Editor
The frst annual KDA Summer Getaway was a notable
success. Over the course of just eighteen months, the Chi-
cago adventure was argued, planned and executed with
hardly a glitch. This was our initial foray into the realm
of destination event and, due to the usual herculean
eforts of the KDA staf, we met each and every goal.
There was outstanding CE
on both Friday and Satur-
day that was either clini-
cally relevant or adminis-
tratively timely (the ADA
tour). The social aspects
were varied and popular.
From baseball to archi-
tectural tours, there was
something for everyone.
And fnally, the venue was the spectacular city of Chi-
cago. This is one of Americas most treasured cities and
remains a tourist destination for all the right reasons.
And the KDA made a slight proft instead of the red ink
tsunami of recent years.
Our visit started out with a scare. Our taxi was cap-
tained by a Russian immigrant (27 years ago) that
seemed nice enough until he began to name the coun-
tries whose tiny fags adorned the inside of the cab. Sud-
denly, Im still not sure why, he went on a tirade against
the Islamists around the world who, I think, he wanted
to take on all by himself. Then, there was arm-waving
and shouting about the Somali taxi drivers and their
cultures horrible
crimes against
women. We were
thrilled to arrive
at Mile North
Hotel.
This hotel was
an excellent
headquarters
for our group.
The location
was perfect and
the rooms/service were impeccable. We were able to
set up our CE rooms very conveniently and had excel-
lent accommodations for break service and breakfast.
The lobby bar seemed to be a logical meeting place that
ofered the usual libations as well as lunch on the pa-
tio. The location also ofered a wide selection of dining
within a short walking distance. The Thursday night
cocktail and greet party was held at the rooftop bar
that provided a breathtaking panorama of the Chicago
skyline.
Those that loveem some baseball
went to the Cubs/Cards game on
Thursday and had a truly unique
experience with photo ops and great
seats for a big game. Others dined
out and enjoyed some of the sights
of the Magnifcent Mile.
The CE on Friday and Saturday
provided some valuable programs
that had something for just about
everyone. We are particularly thank-
ful to GC America and Nobel Bio-
care for their sponsorship of Dr. Fred
Margolis and Dr. William Cusack.
I have received several comments
regarding Dr. Cusacks presentation
centering on the concept of All on
4. Restorative dentists were par-
ticularly interested in this relatively
new concept and recognized that a
comprehensive course on this treat-
ment protocol or timely referral to a
prosthodontist was in their patients
best interests.
Of course, the central theme of this
event was to provide an opportunity
for members and their families to
enjoy the social aspects of our asso-
ciation in a great venue like Chicago.
The architectural river cruise is one
of the unique activities that drew a
signifcant number of our members.
Its a fascinating and educational ex-
perience and was universally appre-
ciatedexcept for a few sunburned
bald pates.
The highlight of the social scene had
to be Friday evenings Mystic Blue
Dinner Cruise.
We had a nice
private room for
cocktails and a
surprisingly tasty dinner. We also
had access to the open deck for en-
joying the cool breeze of the water,
drinking in the amazing Chicago
skyline and capturing a few digi-
tal images to wow the folks back
home. Again, special thanks to our
cruise sponsors, Tax Favored Ben-
efts, Inc. Unfortunately, Tim Gaigals
and Mat Kreher literally missed
the boat that evening due to trafc
issues. But we appreciate their sup-
port.
As the weekend wound down, the
atendees enjoyed the hilarious and
unpredictable antics of The Second
City, always a Chicago favorite.
I think the programs and venue
were a big hit with KDA members
and their families. We have the feel-
ing that this might be the start of
an annual event that folks will plan
for a year ahead of time. That point
brings me to the dates of June 5-7,
2014. Our second KDA Summer
Getaway will take us to the glorious
Cheyenne Mountain Resort in Colo-
rado Springs. This is another fantas-
tic venue for completely diferent
reasons. There are numerous family
activities available and its eminently
drivable for most of the state. Mark
your calendars!
The sunset creating a silhouette of Chicagos
skyline drew almost everyone with a camera
or smartphone to the side of the boat
Women dentists of the KDA planned an out-
ing just for the ladies. No boys allowed at the
Womens Wine/Cheese Tasting at Fox & Obel
Its Dr. Melodee ARMfield - no pun intended
14
AFTCO Transition Consultants - 4
AFTCO Associates (Classified) - 15
Blue Cross Blue Shield - 8
Dianne Caprio, DDS (Classified) - 15
Dental Services Group - 10
Dynamic Management Solutions (Classified) - 15
Edmonds Dental Lab - 5
Johnston Fiss Insurance - 2
McInnes Group, Inc. - 2
Medical Protective - 9
Midwest Dental - 13
Modern Methods - 13
Paragon, Inc. - 6
Rocky Mountain Dental Conference - 12
Tax Favored Benefits - 16
ad IndeX
There is no typical retirement. Many baby boomers want one and believe that they will have one, and their fu-
tures may indeed unfold as planned. For others, the story will be diferent. Just as there is no routine retirement,
there are no rote fnancial moves that should be made before or during this phase of life, and no universal truths
about the retirement experience.
Here are some commonly held assumptions suppositions that may or may not prove true for you, depending on
your fnancial and lifestyle circumstances.
REASSESSI NG RETI REMENT ASSUMPTI ONS
What makes financial sense for some baby boomers may not make sense for you.
Provided by
Tim Gaigals, CFP
1 2 3
4
5
6
7
You should take Social Security as
late as possible. Generally speak-
ing, this is a smart move. If you were
born in the years from 1943-1954,
your monthly beneft will be 25%
smaller if you claim Social Security
at 62 instead of your full retire-
ment age of 66. If you wait until 70
to take Social Security, your monthly
beneft will be 32% larger than if you
had taken it at 66.
1

So why would anyone apply for
Social Security benefts in their early
60s? The fact is, some seniors re-
ally need the income now. Some
have health issues or the prospect of
hereditary diseases infuencing their
choice. Single retirees dont have a
second, spousal income to count on,
and that is another factor in the deci-
sion. For most people, waiting lon-
ger implies a larger lifetime payout
from Americas retirement trust. Not
everyone can bank on longevity or
relative afuence, however.
Youll probably live 15-20 years after you retire. You
may live much longer, especially if you are a woman.
According to the Census Bureau, the population of
Americans 100 or older grew 65.8% between 1980 and
2010, and 82.8% of centenarians were women in 2010.
The real eye-opener: in 2010, slightly more than a third
of Americas centenarians lived alone in their own
homes. Had their retirement expenses lessened with
time? Doubtful to say the least.
2

You should step back from growth
investing as you get older. As many
investors age, they shift portfolio
assets into investment vehicles that
ofer less risk than stocks and stock
funds. This is a well-regarded, long-
established tenet of asset allocation.
Does it apply for everyone? No.
Some retirees may need to invest
for growth well into their 60s or 70s
because their retirement savings are
meager. There are retirement plan-
ners who actually favor aggressive
growth investing for life, arguing
that the rewards outweigh the risks
at any age.
The way most people invest is the way you should
invest. Again, just as there is no typical retirement, there
is no typical asset allocation strategy or investment that
works for everyone. Your time horizon, your risk toler-
ance, and your current retirement nest egg represent
just three of the variables to consider when you evaluate
whether you should or should not enter into a particular
investment.
Going Roth is a no-brainer. Not
necessarily. If you are mulling a
Roth IRA or Roth 401(k) conversion,
the big question is whether the tax
savings in the end will be worth the
tax you will pay on the conversion
today. The younger you are rough-
ly speaking the greater the possibility the answer will
be yes, as your highest-earning years are likely in the
future. If you are older and at or near your peak earning
potential, the conversion may not be worth it at all.
A lump sum payout represents a good deal. Some
corporations are ofering current and/or former workers
a choice of receiving pension plan assets in a lump sum
payout instead of periodic payments. They arent doing
this out of generosity; they are doing it because actuaries
have advised them to lessen their retirement obligations
to loyal employees. For many pension plan participants,
electing not to take the lump sum
and sticking with the lifelong pe-
riodic payments may make more
sense in the long run. The question
is, can the retiree invest the lump
sum in such a way that might pro-
duce more money over the long run,
or not? The lump sum payout does
ofer liquidity and fexibility that
the periodic payments dont, but
there are few things as economically
reassuring as predictable, recurring
retirement income. Longevity is an-
other factor in this decision.
Living it up in your 60s wont hurt
you in your 80s. Some couples with-
draw much more than they should
from their savings in the early years
of retirement. After a few years,
they notice a drawdown happening their portfolio isnt returning enough to replenish their
retirement nest egg, and so the fear of outliving their money grows. This is a good argument for
living beneath your means while still carefully planning and budgeting some epic adventures
along the way.
Your retirement plan should be created and periodically revised with an understanding of the
unique circumstances of your life and your unique fnancial objectives. There is no such thing as
generic retirement planning, and that is because none of us will have generic retirements.
Tim Gaigals, CFP is an investment professional, registered
investment advisor and Certifed Financial Planner. Tim
is associated with Tax Favored Benefts in Overland Park and
an investment advisor representative ofering securities and
advisory services solely through Ameritas Investment Corp.
(AIC). Member FINRA/SIPC. AIC and Tax Favored Benefts
are not afliated. He has writen numerous articles relating
to qualifed retirement plans, fnancial advising, and retire-
ment planning. Tim was formerly a power trading expert and
director for a nationally known energy company. Tim can be
contacted at 913-648-5526 or tim@taxfavoredbenefts.com.
This material was prepared by MarketingLibrary.Net Inc., and does
not necessarily represent the views of the presenting party, nor
their affiliates. All information is believed to be from reliable sourc-
es; however we make no representation as to its completeness or
accuracy. Please note - investing involves risk, and past performance
is no guarantee of future results. The publisher is not engaged in
rendering legal, accounting or other professional services. If assis-
tance is needed, the reader is advised to engage the services of a
competent professional. This information should not be construed
as investment, tax or legal advice and may not be relied on for the
purpose of avoiding any Federal tax penalty. This is neither a solici-
tation nor recommendation to purchase or sell any investment or
insurance product or service, and should not be relied upon as such.
All indices are unmanaged and are not illustrative of any particular
investment.
Citations.
1 - www.forbes.com/sites/janetnovack/2011/02/15/the-big-deci-
sion-when-to-take-social-security/ [2/15/11]
2 - money.usnews.com/money/retirement/articles/2013/01/07/
what-people-who-live-to-100-have-in-common [1/7/13]
15
deceased
dentists
8/5/2012
Dr. H. Melton Hollingsworth
Hutchinson, KS
Central District
10/16/2012
Dr. Herbert D. Leffingwell
Wichita, KS
Wichita District
1/11/2013
Dr. Richard C. Porch
Overland Park, KS
Fifth District
1/11/2013
Dr. Ted Kennedy
Lawrence, KS
First District
4/2/2013
Dr. Ray Parsons
Wichita, KS
Southern District
5/13/2013
Dr. Terry L. Duncan
Andover, KS
Wichita District
6/18/2013
Dr. Mark R. Davis
Wichita, KS
Wichita District
7/8/2013
Dr. Donald H. Essington
Council Grove, KS
Flint Hills District
8/7/2013
Dr. Gregory Partridge
Wichita, KS
Wichita District
ClassI FI ed ads
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(1) and Kansas City Metro area. For more information visit www.aftco.net. If you are considering an appraisal,
purchase or sale of practice, please contact Raj Shah at 800-877-7255 or Rshah@aftco.net.
PRACTICES And EquIPmEnT FOR SALE:
Kansas/Moundridge-Ofce for sale or lease. A beautiful, twelve year old dental ofce (3,300 sq. ft.) with six op-
eratories. Located in a growing community about a half hour North of Wichita. Move in ready. A Must See.
Contact Robert Hildreth, 785-456-7083; e-mail: dynmgmt@wamego.net
OPPORTunITIES AvAILAbLE:
Kansas/Missouri-Dentists needed-Excellent opportunity for highly motivated practitioners. Patients and a well-
trained team are waiting for you. Practice locations in Mt. Vernon, Missouri, St. Marys and Wichita, Kansas.
Competitive commission plan plus excellent beneft package. Contact Robert Hildreth, 785-456-7083; fax 785-
456-6520; e-mail: dynmgmt@wamego.net
Endo equipment for sale: Tulsa/Dentsply Endo DTC model #AEU-25T with mini push buton contra angle, 8:1
ratio. Excellent condition, used 12 times! $1100.
Calamus Dual 3D obturation system. Excellent condition, used 4 times! $1100.
Root ZX II apex locator. Excellent condition, used 4 times. $800.
Contact Dr Caprio at jayheel83@yahoo.com or 913-912-1736.
Continued from page 1
KDA Webinar
its important to be sympathetic to a
familys fnancial needs, which may
be the reason they might refuse, its
important not let that go on too long.
If a patients winds up with a can-
cerous tumor and youve not taken
an x-ray in a few years, a court could
very well come down against you,
Terrell said. You have to make sure
youve done your part to ensure
their health. There are 35,000 new
cases of oral cancer diagnosed every
year and 25% of them are going to
die. There has been a dramatic in-
crease in oral cancer patients under
the age of forty.
Dr. Charles Squire of Wichita, who
atended the webinar said after the
session that he thought it was an
excellent beneft for mem-
bership.
I learned some new things
today, Squire said. I
dont know how many CE
programs that I have done
over the years on insurance
and risk management so I
thought the topic was good.
I also think the presenter
covered the topic very well.
Having it over the lunch
hour was also very good
timing. I know that people
have diferent times they
take lunch, but this was ft
nicely so that dentists could
work their lunch around it.
The KDAs webinar cover-
ing the subject of professional risk management and professional liability insurance was excel-
lent. I learned some new information. This subject mater would have been particularly useful
for dentists in their frst three to fve years of practice and a good review for any dentist either
generalist or specialist Squire said. Terrell also discussed topics of communications with pa-
tients, terminating patient relationship and embezzlement.
Right now, embezzlement from dentists ofces is running rampant, Terrell said. There is a
good reason why the person responsible for the money doesnt want to take a vacation. Maybe
its because they dont want anyone else to see the books. Consider requiring a mandatory vaca-
tion and bring in a CPA once a year.
The KDA plans to regularly host webinar sessions for CE as a KDA member beneft.
16
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preferred
RETIREMENT PLAN PROGRAM
Matthew 1. Kreher`
Timothy 1. Gaigals`, CFP
Tax Favored Benefits, Inc. is a multi-generational, Iull service
beneIits Iirm committed to long-term relationships with clients through
high quality service and diverse investments. TFB Iocuses in qualiIied
retirement plans, including 401(k) and proIit sharing plans.
All services ~under one roof
Custom Plan Design
Participant Education
Participant Enrollments
Investment Counseling*
RETIREMENT PLAN SERVICES
Free Review of Existing Plans

Timothv J. Gaigals - timtaxIavoredbeneIits.com
Matt Kreher - matttaxIavoredbeneIits.com
www.taxIavoredbeneIits.com
* Securities and investment advisorv services offered solelv through Ameritas Investment Corp. (AIC). Member FINRA/SIPC. AIC is not affiliated with
Tax Favored Benefits, Inc. or the KDA. Additional products and services mav be available through Tax Favored Benefits, Inc. that are not offered bv AIC.
4801 W. 110th Street
Suite 200
Overland Park, KS 66211
(913) 648-5526
(800) 683-3440
Fax (913) 648-6798