Foundation dentists

As a foundation dentist your income is likely to be under pressure with the need to pay off student debts, as well as cover your living expenses. We understand the importance of cost effective financial support at this time and we have created an income protection package just for you.

Foundation dentists' package

This income protection package is designed specifically for foundation dentists in either their first or second year, to offer you financial support if you can’t work because of an illness or injury. You would benefit from a substantial discount on our standard premium for up to 24 months, or until you finish your foundation year(s), whichever is sooner.

The package is tailored to complement the current sickness cover you receive from the NHS as a foundation dentist. You start receiving benefits after eight weeks of being off work (please see the table below) as many foundation dentists are covered by the NHS for the first eight weeks. However, if your Deanery doesn't offer a sick pay arrangement between four and eight weeks, when you claim we will reduce your deferred period to a minimum of four weeks, to fit in with your foundation dentist contract.

You can claim as many times as you need to, and the number of claims you make won’t affect the premiums you pay.

Foundation dentists' package  
Weekly benefits received - 8-12 weeks £200/€265 (see above)
Weekly benefits received - 12 weeks onwards £400/€530
Deferred period 8 weeks
Number of shares 1
Benefit type

Level benefits

The benefit payments remain at a constant level in the event of a long term claim

At the end of this discounted period, your standard plan will automatically convert to an immediate benefit plan, providing level benefits of £400/€530 per week. However, at this stage, or within six months of the end of your discounted period, you will be able to customise your cover, to better suit your individual circumstances, by adding options such as escalation (linking cover with inflation) or indexed benefit payments, without any further underwriting.

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 plan:

  • An ‘own occupation’ definition of incapacity: This means that you can 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. We will never refuse a claim, or cancel your plan, simply based on the 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 respite care costs every year
  • Suspending your plan: If you take a break from work, after being a foundation dentist, you can suspend your plan for a combined period of up to 36 months. For more information see taking a career break

After your discounted package ends, you will automatically be transferred to the full dentists' income protection plan. You can then take advantage of all the benefits of membership and choose additional options for your plan.

A foundation dentist's case study

Lucy had just secured her first job in practice after finishing her dental foundation year...

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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