Member dentists' case studies

Jim - a member of Dentists' Provident since 1969

Jim thought he’d got towards the end of his career unscathed until, out cycling one Sunday in October 1999 he was knocked off his bike. He spent four months in hospital, paralysed from the neck down, and had to claim for nine years. The accident contributed to him being forced into early retirement. Jim retired six years ago but continued as a member, the good news is that he is back on his bike. Jim’s advice to any young dentist is...

“I would like to convey to any young practitioner the importance of thinking ahead, and the advantages of joining Dentists' Provident. I was lucky enough to see a letter in the BDJ in those far off days in the sixties commending membership of Dentists’ Provident. I followed this advice and was fortunate never to have to make a claim until late in my career when I had my near fatal bicycle accident, followed by serious health problems involving abdominal vascular surgery. This caused me to have to relinquish my dental practice, and I was grateful for the support of Dentists’ Provident throughout this period. Everyone hopes never to have to have recourse to insurance, but life is full of unforeseeable and sometimes very unpleasant surprises. It is reassuring to enjoy the security of membership and to use the current phraseology, it is a 'no brainer'!”

John - a member of Dentists' Provident since 1967

John semi-retired four years ago and didn't need his cover but stayed as a member, to continue building up his bonus account. His bonus account is now more than £40,000 and it continues to grow. John comments...

“When I was an associate my practice principal recommended Dentists’ Provident as a ‘very well run, really good’ company. And I haven’t looked back! I like the fact that they are still only for dentists, as well as not having been bought out or merging with anyone else. However, for me now what is really important is the fact that Dentists’ Provident is owned by us, the dentists. I have always been aware of how money is ploughed back into each member’s account, as seen on our annual statement. However, until retirement age became close I was unaware, but gratified to learn, that life with Dentists’ Provident could continue! The concept of leaving my bonus account to continue growing at a very good rate, is excellent, together with the prospect of a terminal bonus when I withdraw my funds. Although I am beyond ‘average’ retirement age I still enjoy working, so it is very pleasant to receive my annual statement showing the interest added. Even through difficult investing times, the rate has maintained a healthy percentage, which has been far higher than any other ‘safe’ investment I know. So, thanks to Frank Edson all those years ago! His recommendation meant far more than an advertisement. It is said that more new dental patients decide to go to a particular dentist through personal recommendation than any other means even now. It certainly was the case with Dentists’ Provident and myself.”

Mike - a member of Dentists' Provident in his mid 40s

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

“About five years ago I realised that I hadn’t reviewed my cover since I joined Dentists’ Provident after graduating, and I’m sure I’m not the only one in that boat! Luckily this was early enough as I couldn’t have done it if I’d have been over 50! It became even more important for me to get this right as I became a partner in the practice a few years ago.”

Robert - a member of Dentists' Provident since the 1950s

Robert joined Dentists’ Provident over 60 years ago when he graduated from dental school but continued as a member after he retired...

His bonus account has continued to grow every year. This year he decided to take his funds. Robert commented, “After 27 years retired from dentistry and watching my bonus account grow, I thought it was time to cash it in. After all, 85 isn't an age to be saving!”

Vanessa - a member of Dentists' Provident in her mid 30s

Vanessa decided to start a family, after a few years of practising and postgraduate education. She says...

“I was really pleased when I found out that you can suspend your plan when you’re on maternity. I’ve been with Dentists’ Provident since I graduated, so it was really important to me not to lose my membership and know that I can still be covered when I go back to the practice. It’s good that I can save myself the monthly premium, but at the same time know that I can just start it up again without having to apply from scratch.”


If you have any questions, 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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