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.
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|
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.
The standard features of our plan:
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.
Lucy had just secured her first job in practice after finishing her dental foundation year...
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.