Our application process is designed to make sure that we give your clients the best possible terms. We do this by getting the right information at the start and with as little inconvenience to you and your clients.
Once you have obtained a personalised illustration for your client here, and given them the key features of our dentists' income protection plan, then you can apply for membership on their behalf by logging into the secure online area.
Shortly after you make your client’s online application, our appointed company; MDG, will contact them to arrange a convenient time for a confidential health and lifestyle interview over the phone.
We will also send them a leaflet to tell them more about what happens next, any additional information we need and a copy of their application. We will also send you details of any information we need from you and your client. Once they have had a chance to review the application form and correct any errors, your client should sign and return the application to us, alongside any additional information we need, so that we can progress their application further.
This is a very important part of the application process. During the interview, a qualified nurse will ask your client a series of questions about their health, lifestyle, pastimes and family history. This normally takes around half an hour but could be longer, depending on their personal circumstances. We use this information to determine the best terms and conditions for your client’s plan, so it’s a good idea for them to give the nurse as much information as they can. They may also find it helpful to have certain information to hand, such as details of medications and medical conditions, any test results and their height, weight, waist and clothes size.
Depending on your client’s availability, in most cases the interview will take place within two weeks of us receiving the application form. We will send your client a summary of the interview to check.
For most straightforward applications, this is about it and the cover will start shortly after.
Special terms and conditions
Sometimes your client’s personal circumstances mean that we need to know more about their medical history or lifestyle before we can decide the best terms we can offer. This could mean we need medical evidence in the form of a report from their doctor; a copy of the medical notes; a nurse visiting them for a short examination and tests. If this happens we will keep you updated of the progress. You can also view this information using our online system.
Sometimes despite our best efforts we cannot offer applicants standard terms, so here are other possible outcomes:
Exclusions/limitations: This means your client may not be covered for a particular condition, either for a specified time or for the whole of their membership, or we might apply a different deferred period, retirement date or cover amount to what they asked for
Premium loading: This means we may ask them to pay a higher premium because we think they have a greater than average risk of having a particular illness or injury
Postponement: This means we could delay your client’s application because they are either recovering from an illness or injury or are waiting for the results of medical tests or investigations
Decline: Very occasionally we are unable to offer cover and have to decline your client's application for a plan
You need to be registered with us. Go to IFA registration for further details.
131 million days were lost due to sickness in the UK in 2013.
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 firstname.lastname@example.org or calling 020 7400 5710.