What We Offer

Put simply, income protection insurance provides you with a proportion of your income if you can’t work because of an illness or injury.

These are some of the standard features of our income protection contract:

• Own occupation definition of incapacity: Our standard definition of incapacity is based on your inability to perform your own occupation due to an illness or injury. Some other insurance providers require that you’re unable to perform any occupation before you’re eligible to receive benefit payments.
  
• Claim security: Your entitlement to benefit payments continues for as long as you’re incapacitated and suffering a loss of earnings or until you retire. Our standard retirement age is 60, but you can choose to retire at any time after 50 without penalty. We’ll never refuse a claim or cancel your membership simply based on the number of claims you make, and your claims won’t affect the premiums you pay.
  
• Tax-free benefits: All benefits you receive from Dentists’ Provident are currently free from income tax and capital gains tax in the UK. This includes not just your benefit payments, but also the cash lump sum available to you at retirement.
  
• Career break option: If you choose to take a career break, you can suspend your cover for up to two years and resume it at the original level without a medical reassessment.
  
• Currency choice: You can decide whether you’d prefer to pay your premiums and receive your benefits in Pounds Sterling or Euros.

Customised Solutions

Occupational Packages

Discounted Packages

If you’re considering applying for membership of Dentists’ Provident, you should read the Key Features Document as it contains important information about the terms and conditions of membership.