Claiming

We are proud of our fair and ethical approach to claims. When you need to claim, we make the process as fast and easy as possible. This page is a quick guide to our claims process. If you don't find the answer to your question here, then please get in touch.

When can I claim as a dental student?

You can claim if you can’t ever finish your degree and ever work as a dentist because of an injury or illness.

When can't I claim as a dental student?

You cannot claim if you become ill or injured from:

  • Any form of mental health disorders
  • Chronic fatigue syndrome and fibromyalgia
  • Any musculoskeletal condition where there isn’t any scan evidence of material abnormal findings
  • Committing a crime
  • Abusing illegal drugs or alcohol
  • Not keeping your recommended immunisations up to date
  • Attempted suicide or deliberate self-harm
  • Procedures or treatments which are cosmetic or elective on your part
  • Anything that has been specified as additional terms and conditions of your plan
What can I claim as a foundation dentist?

You can claim benefits eight weeks after you cannot work because of an illness of injury. We will then pay you £150/€200 each week for the next four weeks and then your benefits will increase to £300/€400 a week for the rest of any valid claim.

When can't I claim as a foundation dentist?

You cannot claim if you become ill or injured from:

  • Committing a crime
  • Abusing illegal drugs or alcohol
  • Not keeping your recommended immunisations up to date
  • Attempted suicide or deliberate self-harm
  • Procedures or treatments which are cosmetic or elective on your part
  • Anything that has been specified as additional terms and conditions of your plan

You also cannot make a claim for the normal effects of pregnancy.

How do I make a claim?

Making a claim is easy; you need contact us as soon as possible after your illness or injury. We will then send you a claim form or you can log into our online services to get one. If you need any help completing the claim form, then please speak to a member of our claims team. Once you have completed the claim form, ask your doctor to fill in the confidential medical certificate at the back of the form and then just return the completed form to us. It’s worth checking the form before you return it, to make sure you have answered all of the questions fully.

For foundation dentists we sometimes need a copy of your accounts and tax returns, so to prevent any delays, do check the important notes to see if you have to send these to us. There are time limits on how soon you need to return the claim form. As a general rule, we should receive it within four weeks from when you expect your benefits to start.

If your claim is valid, you will normally receive your benefit payment directly into your bank account within a few days. In some cases we may need additional medical or financial information, so your claim could take a little longer, especially if you have a longer term illness or injury.

You can get a claim form by logging into our online services section, simply click here.

Please remember you must continue to pay your premiums throughout your claim.

How long are my benefits paid for as a foundation dentist?

Normally, you will receive benefit payments until you:

  • Get better and go back to work
  • Aren’t suffering a loss of earnings anymore
  • Cancel your plan or it ends
  • Stop complying with your obligations under our rules

A student & FD's case study

Professor Mark Woolford, Associate Dean (Education), King’s College London Dental Institute says...


Read more here 

Did you know?

Over the last six years we’ve had, on average, over 250 new claims a year for musculoskeletal disorders.

Documents

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

Contact

If you have any questions, please contact our claims team by e-mailing claims@dentistsprovident.co.uk or call 020 7400 5730.

 
 

News

Workplace habits

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

View all news releases 

Blog

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