In a practice

If you work in a practice you are usually self-employed, so you may wish to cover your lost income from the very first day you are off sick.

If you are not a practice owner, then it is worth speaking to your principal to see what your entitlements are.

If you own the practice, you should think about the income it will produce in your absence and for how long.

Why income protection?

Not being able to work because of an illness or injury will affect your lifestyle, not just in terms of day to day living but also financially. The extent of this effect will obviously depend on your personal circumstances. Income protection insurance is designed to reduce the financial worries of ill health, by giving you the safety of a regular income to replace any earnings you lose by not being able to work.

No one wants to think about falling ill or having an accident but, as well as the unexpected, it is worth remembering that dentistry is a physically and mentally demanding profession, so it’s no surprise that many dentists suffer from some form of illness or injury during their careers.

If you are self-employed, you will not have access to any employer sponsored sick pay arrangements, although, if you are in an NHS practice, you may have limited benefit entitlements. Whatever your situation, unless you think you can get by on government benefits if you have a long term illness, you will need to make arrangements for yourself.

Employment and Support Allowance, is currently £72.40 per week (£57.35 if you are under 25) for the first 13 weeks and £108.15 per week after that if you meet the criteria under the Work Capability Assessment.

For more information on the employment and support allowance click here.

Why Dentists' Provident?
  • We have specialised in supporting only dentists in the UK and Ireland for over a hundred years, so we understand your needs
  • Our plan can be customised, so you can build it around your individual circumstances
  • Our plan is flexible, so it can change as your life does
  • We provide our members with a personal service, so you are more than just a policy number
  • Our philosophy has always been based around decency and fairness, with an ethical and innovative approach to claims
  • As a mutual organisation we are owned by our members, so as a member you also receive a share of our financial surpluses, which builds up a fund for when you retire. For more information, see shares
The standard features of our dentists' income protection plan
  • ‘Own occupation’ definition of incapacity: This means that you can make a claim if you are too sick to perform the key functions of your own occupation, as a dentist
  • Tax free benefits in the UK: All the benefits we pay you are currently free from income and capital gains taxes in the UK. This includes your claim payments and the funds in your bonus account
  • Claim security: You will receive benefit payments for as long as your claim is valid, or until you retire. We will never refuse a claim, or cancel your plan, simply based on the number of claims you have made
  • Overseas cover: You can make a claim even if you travel or live abroad
  • Transplant benefit: If you are a donor in a medically necessary transplant procedure, we will pay you a lump sum equal to 13 times your weekly benefit, in addition to any other benefits you are due under your plan
  • Respite care benefit: If you are too ill to look after yourself and need constant care from a family member, we will pay up to £3,000/€4,000 towards eligible respite care costs every year
  • Suspending your plan: If you take a break from work, you can suspend your plan for a combined period of up to 36 months. For more information see taking a career break
Choosing your plan
  • Level of weekly cover: You can cover up to 60% of your taxable income from your work, to a maximum of £1,800/€2,400 a week
  • Deferred period: You can choose how soon your benefit payments start after you become ill or injured. We offer one of the widest range of deferred periods in the country, starting from none to up to two years. The longer your deferred period, the cheaper your premiums are likely to be. If you have cover from other insurance policies, or wish to rely on alternative sources of income during short term illnesses, you can choose a deferred period that provides the best fit for you
  • Shares: After you have held the dentists’ income protection plan for two years, you can choose the number of shares you want. Although every member must hold one share, your maximum depends on the level of your cover. You can change your shareholding within these limits up until your plan ends. For more information see shares
Customising your cover
  • Benefit payment option: You have the flexibility to decide what happens to your benefit payments, if you have a long term claim
    a. Indexed benefit payments: Your benefit payments will increase in line with inflation each year, helping to preserve their real value in the long term
    b. Level benefit payments: Your benefit payments will remain the same for the period of your claim
    c. Reducing benefit payments: Your benefit payments will reduce in steps over time. For the first 26 weeks of your claim, you will receive the full value of your cover, the payments will then reduce to 50% of their initial value for the next 26 weeks and then to 30% for the rest of your claim. This option is not available if your cover has a deferred period
  • Escalation option: If your income increases in line with inflation, choosing this option will help your cover keep pace with the growth in your income
  • Benefit enhancement on death: If you would like an additional amount payable if you die within 12 months of the start of a claim
  • Increasable sickness benefit: If you want the flexibility to increase your cover in the future, without providing further medical information, choosing this option allows you do this at any time after the sixth anniversary of your cover
  • Severe disability benefit: If you think your long term financial needs will increase after a serious illness or injury, choosing this option will enhance your regular benefits to help towards your increased financial commitments
  • Level premiums: If you prefer greater stability in the amount you pay, then choose this option and your premiums will only increase in line with the changes in your cover and not your age. However, the premiums are not guaranteed and they may change in the future


A case study

"Have you incorporated your practice?" Peter asks...

Read more here 


For further information, please read the key features of our dentists’ income protection plan and our rules.


If you have any questions, please contact our member services consultants by e-mailing or calling 020 7400 5710.


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