Ruth Kent
Ruth qualified two years ago. She now works at two surgeries as a self-employed dental hygienist. Ruth joined Dentists’ Provident in her final year.
After a friend’s dental career ended because of a small DIY accident involving their thumb, Ruth has decided to buy additional income protection cover to make sure her lifestyle is covered if she could not work because of an illness or injury. Ruth earns £60,000 a year. As she already has cover of £1,750 under her Foundation protection plan, she has decided to take out an additional monthly cover of £1,250 under the Select income protection plan. Her combined cover under the two plans means that Ruth now has the maximum cover available based on her current income.
Ruth also took the option to increase her cover in the future without medical assessment to address her worries about the effects of changes in her future health on her ability to buy more cover, in case her income grew in the future.
Ruth pays £56.02 in total for the cover under her two plans.