Richard Thomas
Richard’s fee based client, Michelle, has been working as a hospital based orthodontist for the last fourteen years. Michelle has recently decided to leave her hospital role and take up a full-time role at a private practice in Harrogate.
Michelle has been a member of Dentists’ Provident since starting her vocational training. She currently holds the lifestyle security plan with a split deferred cover of 26 and 52 weeks, totalling £4,000 per month. However, in the last five years, both her mother and sister were successfully treated for breast cancer. Richard has advised Michelle that this could affect her application for income protection insurance and instead she can simply exercise the option to reduce her deferred period to four weeks for both the covers under her Lifestyle security plan.