Reviewing your client's cover

Our plan is incredibly flexible and you can tailor it to your client's needs as their lives and careers change.

If you would like to apply on your client's behalf, please log into our online system click here.

The standard features of our income protection plan
  • ‘Own occupation’ definition of incapacity: This means that your client can make a claim if they are too sick to perform the key functions of their occupation as a dentist
  • Tax free benefits in the UK: All the benefits we pay members are currently free from income and capital gains taxes in the UK. This includes their claim payments and the funds in their bonus account
  • Claim security: Your client will receive benefit payments for as long as their claim is valid, or until they retire. We will never refuse a claim, or cancel a plan, simply based on their claims history
  • Overseas cover: Your client can make a claim even if they travel or live abroad
  • Transplant benefit: If they are a donor in a medically necessary transplant procedure, we will pay them a lump sum equal to 13 times their weekly benefit, in addition to any other benefits they are due under their plan
  • Respite care benefit: If they are too ill to look after themselves 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 their plan: If your client takes a break from work, they can suspend their plan for a combined period of up to 36 months. For more information see taking a career break
Choosing your client's plan
  • Level of weekly cover: Our plan can pay your client up to 60% of their taxable income from their occupation, to a maximum cover of £1,800/€2,400 a week
  • Deferred period: They can choose how soon their benefit payments would start after they 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 their deferred period, the cheaper their premiums are likely to be. If they have cover from other income protection insurance policies, or wish to rely on alternative sources of income during short term illnesses, they can choose deffered periods which provide the best fit for them
  • Shares: After your client has held the dentists’ income protection plan for two years, they can choose the number of shares they want. Although every member must hold one share, the maximum depends on the level of their cover. They can change their shareholding within these limits up until their plan ends. For more information see shares
Customising your client's cover
  • Benefit payment option: Your client has the flexibility to decide what happens to their benefit payments if they had a long term claim
    a. Indexed benefit payments: Their benefit payments will increase in line with inflation each year, helping to preserve their real value in the long term
    b. Level benefit payments: Their benefit payments will remain the same for the period of their claim
    c. Reducing benefit payments: Their benefit payments will reduce in steps over time. For the first 26 weeks of their claim, they will receive the full value of their 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 their claim. This option is not available if their cover has a deferred period
  • Escalation option: If they would like their cover to increase in line with inflation 
  • Benefit enhancement on death: If they would like an additional amount payable if they die within 12 months of the start of a claim
  • Increasable sickness benefit: If they want the flexibility to increase their cover in the future without providing further medical information, then choosing this option allows them to do this at any time after the sixth anniversary of their cover
  • Severe disability benefit: If they think their long term financial needs will increase after a serious illness or injury, choosing this option will enhance their regular benefits to help towards their increased financial commitments
  • Level premiums: If they would prefer greater stability in the amount they pay, then choose this option and their premiums will only increase in line with the changes in their cover and not their age. However, the premiums are not guaranteed and they may change in the future

NB: Each additional option will have an effect on the amount of your client's premium payments.

NB: Please be aware that your client will need to reapply and go through the underwriting process again if they wish to increase their level of cover. 

An IFA's case study

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

Read more here 

Did you know?

Our youngest long term claimant was just 28 years old when their claim started


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


If you need clarification on these options or what affect they would have on your client's premium, please contact our member services consultants by e-mailing or calling 020 7400 5710 or log into your member account at Member login.


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