Reviewing my cover

Our plan is incredibly flexible and you can tailor it to your needs, as your life and career changes. So, it is important to review your plan regularly, so that it gives you the security and protection you need.

If you would like to apply for additional benefits please log into our online system.

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 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 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 cover of £1,800/€2,400 a week
  • Deferred period: You can change 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 our 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 flexibilty 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 member's case study

Mike, a partner in his practice decided to review his cover to make sure it was still in line with his current income. He said...

Read more here 


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.


About Dentists' Provident

Learn about our history, corporate governance and business performance.

Find out more 


Workplace habits

The dental profession is well known for being a caring profession, full of ...

View all news releases 


Both sides of the coin

The summer has now well and truly arrived and with the torrential rain (hop...

View all blog articles 

Understanding income protection

Learn why income protection is important for you.

Find out more