The peridontist suggests a bone graft - How urgent is the bone graft? (photo)

I was having swelling gum and pain and my dentist sent me to an peridontist (now I am feeling well). There is a 8mm pocket for my inner most teeth and bone lost due to wisdom teeth extraction 5 years ago. The peridontist suggests a bone graft (D4266m D4263, D4241). Is this urgent enough so I need to do the surgey now or I can do it in Jan next year? The major reason for postpone is to wait for insurance benefits renew.