We are a leading provider of income protection insurance for dental professionals. For over a century we have helped thousands of dental professionals, achieve financial security during periods of illness or injury.
This page aims to answer some of the most common questions about our plans. If there is anything else that you’d like to know, which is not covered here, please contact our member services team on +44 (0) 20 7400 5700.
The Income security plan is a personal income protection insurance plan which pays you regular benefit payments to help replace the income you lose if you cannot work because you are ill or injured.
This plan comes with several features to help customise it to your needs. If you are thinking of applying for this plan, you will have to decide:
You can only apply for this plan if you are:
Your premiums depend on several factors such as your age, nicotine use, how you have chosen to customise your plan and how much you want to pay towards your participation units. You can find out the standard cost of your plan by using our online system.
Sometimes, because of your health or family history, your actual premium will be different from that shown in your quote. If this happens, we will contact you to explain the reasons for this and we will not start your cover without your agreement.
When setting up your plan, you will need to make a few decisions so that it meets your needs. You need to:
When selecting your cover, you should think about your current income and also the income you will receive when you are claiming.
If you make a claim, we will calculate your maximum benefit payments based on your income at the time. If the total amount you receive from all sources exceeds our limits, we will adjust your benefit payments accordingly. For more information, please see ‘What benefit payments can I receive?’.
The combined maximum initial cover you can have under this and our other protection only plans cannot be more than £93,600 a year, or £7,800 a month.
The waiting period for your claim, also called the deferred period, is how long after you stop working, because of an illness or injury, before your benefit payments start. You can choose from 54 waiting periods, ranging from no waiting period to 52 weeks, as well as 104 weeks. You should select a waiting period which takes into account the changes in the income from your occupation after you stop working because of an illness or injury.
Your plan and your entitlement to benefits will automatically end when all your covers end, which will normally be on your 65th birthday. However, you can choose any age between 55 and 65, if it better suits your needs. If your long term career plans change after your plan has started, you can reduce the age when your cover stops by giving us advance notice.
If you select this option, your premium rate will not normally increase with your age. However, all the premiums for this plan are reviewable. This means that we can change your premiums every January because of changes in our claims costs or business expenses. If we review our premium rates, we will give you at least 60 days advanced notice of any changes.
If the premium rates increase, you can choose to pay the increased premiums or keep your monthly premiums the same by reducing your cover or your participation units.
This plan has three options for you to choose from.
This option is not offered on our online service and is only available for cover with no waiting period. If you require this option, please contact our Member Services Team.
If you select this option, then your benefit payments will be made at the full rate for the first six months of your claim, decreasing to half your initial rate for the next six months and then to 30% of the initial rate for the remainder of your claim.
If you select this option, your benefit payments will be made at the same rate throughout your claim.
If you choose this option, your benefit payments will increase in line with the UK consumer price index every January. These automatic increases will begin in the January after you have received benefit payments for 12 months. We will not increase your benefits by more than 5% in any year and 150% overall.
The optional features help you customise your cover further. These are:
If you choose this option, your cover will increase in line with the UK consumer price index every January. These automatic increases will begin in the January after you have held your cover for 12 months. We will not increase your cover by more than 5% in any year and 150% overall.
This option lets you increase your cover by up to 30% of the initial amount, without any medical assessment after you have had the cover and paid your premiums for six years. Please refer to the plan terms and conditions for further information.
If you choose this option and you have an illness or injury that leaves you unable to carry out at least three out of our six activities of day to day living, we will increase your monthly benefit payments by 20% of the monthly amount payable at the start of your claim, after you have received benefit payments for two years.
Under this option, if the condition you are claiming for is terminal and you die before your plan ends, then we will increase your final benefit payment by an amount equivalent to six months’ regular benefit payments.
Under this option, if the condition you are claiming for is terminal and you die before your plan ends, then we will increase your final benefit payment by an amount equivalent to six months’ regular benefit payments.
If your income changes after the start of your cover and we cannot pay your claim in full, this option ensures that the total amounts you receive from us and other third parties will not fall below a predetermined level. Please refer to the plan terms and conditions for further information.
If you select this option and you are admitted to hospital during your waiting period, we will pay you the lower of 1/30th of your monthly cover or £100 for every night’s stay after your first seven consecutive nights stay. We will continue to pay you this benefit until the earliest of the end of your stay, the end of your waiting period or we have paid the benefit for 90 nights stay. This benefit is only available if your cover has a waiting period of three weeks or more.
Every year we return part of our financial surpluses to members as bonuses, which are held in their bonus accounts. These bonuses build up a cash fund, available for when the plan ends. Participation units give you the right to share in these surpluses and the number of participation units you have determines how much of our financial surplus is allocated to you.
You can decide how much you want to pay towards your participation units. The maximum amount depends on the number of participation units you are entitled to have, which is calculated as the value of your monthly cover divided by 10. You must hold at least 1 participation unit with each plan.
The premium for your participation units does not normally change with your age and you can alter the number of units you have, within the above limits, at any time.
In addition, your plan comes with a number of features as standard, these are:
If your employment status changes, for example you change from being an employee to becoming self-employed, or change jobs, you can change the waiting period of your cover to suit your new role. If your cover has a waiting period of five weeks or more, you can reduce it to a minimum of four weeks without any further medical assessment. Please refer to the plan terms and conditions for further information.
You can ask us to increase your waiting period without the need for a medical assessment at any time.
After the third anniversary of your cover if you take a career break and stop working, you can suspend your cover. This means you will not have to pay any premiums for your cover, but you will not be able to make a claim. However, you will need to continue paying premiums for your participation units during this time.
You are entitled to 36 months break over the life of your plan. You do not have to use the full allowance at the same time and you can take multiple breaks, as long as each one lasts at least six months. Please refer to the plan terms and conditions for further information.
If you are not working and you become ill or injured and you cannot carry out at least three of our six activities of day to day living, we will still pay you benefit payments based on the lower of either the total value of your monthly cover or £1,500 per month.
If a serious illness or injury means that you require full time care by a member of your family, this benefit gives your carer the ability to take some time to look after their own needs. In any twelve month period, we will pay the full cost, or up to £3,000 towards the cost, of a two week stay in a residential care facility for you.
If you donate an organ or part of an organ for a lifesaving procedure, we will pay you a cash lump sum equivalent to two months of your benefit payments, in addition to any other benefit payments that you are entitled to.
You can protect your NHS pay by splitting your cover equally between our 26 week and 52 week waiting periods. If at the time you make a claim, you have not built up enough service to qualify for the full NHS sick pay entitlement; we will reduce our waiting period to match your entitlement, at no extra cost. The minimum waiting period we will apply to your cover is four weeks.
You can receive benefit payments for a maximum combined period of five years on all claims where you live in any of the following:
If you are not living in the UK or any of the places listed above, your benefit payments will be limited to a maximum combined period of six months.
Present UK tax law and HM Revenue & Customs practice means that:
The tax rules could change in the future, so please bear in mind that you and/or we, could be liable to taxes or other costs in the future.
You can make a claim when you lose income because you cannot work as a result of your illness or injury. You should check your benefit statement and plan documents to see if the condition you are suffering from is not covered. If your condition is covered, you should contact our claims team for a claim form within two weeks of stopping work if your waiting period is less than five weeks, or four weeks otherwise.
To make a claim, simply contact our claims team on:
Telephone: +44 (0) 20 7400 5730
Email: claims@dentistsprovident.co.uk
Address: PO Box 76944, London EC1P 1LG
To make a claim, you need to complete and return the claim form within 90 days of the end of your waiting period. To help us settle your claim quickly, please answer all of the questions completely, accurately and to the best of your knowledge, as well as providing any information we ask for as soon as possible.
Your doctor will also need to complete the medical certificate attached to the claim form and you need to give us evidence of your income, such as your most recent financial statements, tax return or payslips.
If you are working immediately before your illness or injury, we will assess your claim based on your inability to carry out the material and substantial duties of your occupation. In addition, your income must have fallen because of your illness or injury and you must also not be doing any other work, unless you are making a phased return.
If you were not working immediately before your illness or injury and you do not have a formally agreed start date for a new role, we will assess your claim based on your inability to independently carry out three of the following six activities of day to day living:
Your illness or injury needs to be diagnosed by a doctor who is competent in the relevant field. You must also remain under their regular care throughout your time off work and comply with their reasonable recommendations.
We may also ask you for further evidence of your illness or injury. This can include asking you to attend a medical examination or meeting with our appointed representatives. If you do not give us the information we ask for, we may not be able to start or continue paying your claim.
The maximum annual benefit payments you can receive cannot be more than:
We will reduce the maximum benefits we can pay by the amount of any regular benefits due under any similar insurance plans and any income you receive during the claim. If any of the income is taxable, we will only take 80% of that income into account in our calculations.
When you make a claim, we will need:
If the maximum benefits you are entitled to are lower than your cover, we will not refund you any premiums.
You will receive your benefit payments until the earliest of the following:
Your benefit payments are paid monthly in arrears after the end of your waiting period. If your claim is for less than one month, you will receive your benefit payment at the end of your claim, based on an appropriate fraction of your monthly cover amount.
We will usually pay your benefit payments directly into your UK bank account within three days of the payment being authorised, however where we cannot do this, we will send you a cheque, normally on the same day.
If your illness or injury reoccurs within 12 months of going back to work and you need to make a claim, we will treat the second claim as a continuation of your original claim. This means we will not apply the waiting period again and your claim will restart on the same basis as the original one.
If you can only return to work in a part time or lower paid role because of your illness or injury and you have been receiving your benefit payments for at least three months, then you will continue receiving part of your benefit payments for up to a total of seven years over the life of your plan.
You must not be able to work for more than 18 hours a week or 55% of the hours you worked before your illness or injury, whichever is lower. You must also remain under the care and supervision of your specialist and continue receiving proper medical treatment.
In addition to any conditions specifically excluded from your cover as a result of your medical or family history, this plan will not pay out if your illness or injury is caused by:
Each year we distribute part of our financial surpluses by crediting your bonus account with a mutuality dividend and interest. Your mutuality dividend is based on how many participation units you held in the previous year and your interest on the starting value of your bonus account that year. These bonuses build up a cash fund, available when your plan ends.
We do not guarantee our future bonuses, and the amount you get back will depend on several factors. For example, the length of your membership, the number of units you held, how well we, and our investments perform, any withdrawals you make from your bonus account and whether any early cancellation charges or bonus account reductions apply, can all affect the final balance of your bonus account.
You can access the cash fund in your bonus account when your plan ends.
If you cancel your plan within its first two years, you will not receive anything from your bonus account. If after that, you cancel your plan or take the cash fund from your bonus account before you are 55, we will apply an early withdrawal charge, as determined by our board of directors.
If our income and reserves are insufficient to meet our financial obligations, the bonuses previously added to your bonus account can be reclaimed to make good any deficiency.
Also, a bonus account reduction can be applied if there is a material difference between the value of a withdrawing member’s bonus account and the value of the underlying assets. This reduction will only be applied to protect members who are not making a withdrawal, as its application means that all members receive only their fair share of our assets.
We currently do not apply bonus account reductions, but we reserve the right to change our practise at any time, particularly in the event of a significant adverse movement in the investment markets or increase in the level of withdrawals by members. Any change in our practice will be made without prior notice and would apply to all planholders.
The Select income protection plan is a personal income protection insurance plan which pays you regular benefit payments to help replace the income you lose if you cannot work because you are ill or injured.
This plan comes with several features to help customise it to suit your needs. If you are applying for this plan, you will have to decide:
You can only apply for this plan if you are:
Your personalised illustration shows the monthly premiums for your plan based on our standard premium rates. Your premiums depend on several factors such as your age, nicotine use and how you have chosen to customise your plan.
Sometimes, because of your health or family history, your actual premium will be different from that shown in your personalised illustration. If this happens, we will contact you to explain the reasons for this and we will not start your cover without your agreement.
When setting up your plan, you will need to make a few decisions so that it meets your needs. You need to:
When selecting your cover, you should think about your current income and also the income you will receive when you are claiming.
If you make a claim, we will calculate your maximum benefit payments based on your income at the time. If the total amount you receive from all sources exceeds our limits, we will adjust your benefit payments accordingly. For more information, please see section ‘What benefit payments can I receive?’.
The combined maximum initial cover you can have under this and our other protection only plans cannot be more than £78,000 a year, or £6,500 a month.
The waiting period for your claim, also called the deferred period, is how long after you stop working, because of an illness or injury before your benefit payments start. This plan offers a number of different waiting periods, ranging from no waiting period to 1, 4, 8, 12, 13, 26, 52, 104, 156, 208 and 260 weeks. You should select a waiting period which takes into account the changes in the income from your occupation after you stop working because of an illness or injury.
Your plan and your entitlement to benefits will automatically end when all your covers end, which will normally be on your 65th birthday. However, you can choose any age between 55 and 65, if it better suits your needs. If your long term career plans change after your plan has started, you can reduce the age when your cover stops by giving us advance notice.
If you select this option, your premiums will not normally increase with your age or if our claims experience gets worse.
If you do not select this option then, besides any changes in your premiums which happen as you get older, we can also change your premiums every January because of changes in our claims costs or business expenses. If we review our premium rates, we will give you at least 60 days advanced notice of any changes.
If the premium rates increase, you can choose to pay the increased premiums or keep your monthly premiums the same by reducing your cover.
If you choose this option, you will not have to pay premiums for the cover for the duration of your claim from the month after you have received benefit payments for a total of three months. We will also refund the premiums you have paid for the cover for the three months.
The optional features help you customise your cover further. These are:
If you choose this option, your cover will increase in line with the UK consumer price index every January. The automatic increases will begin in the January after you have held your cover for 12 months. We will not increase your cover by more than 5% in any year and 150% overall. If you are receiving benefit payments, these will automatically increase as your cover increases.
If you do not want this option then your cover will not change, however, you need to decide how your benefits are paid on a long term claim. This plan has two options for you to choose from:
This option is not offered on our online service and is only available for cover with no waiting period.
If you select this option, then your benefit payments will be made at the full rate for the first six months of your claim, decreasing to half your initial rate for the next six months and then to 30% of the initial rate for the remainder of your claim.
If you select this option, your benefit payments will be made at the same rate throughout your claim.
This option lets you increase your cover by up to 30% of the initial amount, without any medical assessment after you have had the cover and paid your premiums for three years or if you are promoted, change jobs, become a parent, increase your personal mortgage or if you marry or become a civil partner. Please refer to the plan terms and conditions for further information.
If you choose this option and you have an illness or injury that leaves you unable to carry out at least three out of our six activities of day to day living, we will increase your monthly benefit payments by 20% of the monthly amount payable at the start of your claim, after you have received benefit payments for two years.
Under this option, if the condition you are claiming for is terminal and you die before your plan ends, then we will increase your final benefit payment by an amount equivalent to six months’ regular benefit payments.
Your plan also comes with a number of features as standard, these are:
If your employment status changes, for example you change from being an employee to becoming self-employed, or change jobs, you can change the waiting period of your cover to suit your new role. If your cover has a waiting period of eight weeks or more, you can reduce it to a minimum of four weeks without any further medical assessment. Please refer to the plan terms and conditions for further information.
You can ask us to increase your waiting period without the need for a medical assessment at any time.
After the third anniversary of your cover, if you take a career break and stop working, you can suspend your cover. This means you will not have to pay any premiums for your cover, but you will not be able to make a claim.
You are entitled to 36 months break over the life of your plan. You do not have to use the full allowance at the same time and you can take multiple breaks, as long as each one lasts at least six months. Please refer to the plan terms and conditions for further information.
If you are not working and you become ill or injured and you cannot carry out at least three of our six activities of day to day living, we will still pay you benefit payments based on the lower of either the total value of your monthly cover or £1,500 per month.
If your income changes after the start of your cover and we cannot pay your claim in full, this option ensures that the total amounts you receive from us and other third parties will not fall below a predetermined level. Please refer to the plan terms and conditions for further information.
If you are admitted to hospital during your waiting period, we will pay you the lower of 1/30th of your monthly cover or £100 for every night’s stay after your first seven consecutive nights stay. We will continue to pay you this benefit until the earliest of the end of your stay, the end of your waiting period or we have paid the benefit for 90 nights stay. This benefit is only available if your cover has a waiting period of three weeks or more.
If you hold your cover until its normal end date and do not make a claim then depending on how long you have held the cover, we will pay you a no claims bonus based on the standard premiums you have paid for the cover. Please refer to the plan terms and conditions for further information.
You can protect your NHS pay by splitting your cover equally between our 26 week and 52 week waiting periods. If at the time you make a claim, you have not built up enough service to qualify for the full NHS sick pay entitlement; we will reduce our waiting period to match your entitlement, at no extra cost. The minimum waiting period we will apply to your cover is four weeks.
You can receive benefit payments for a maximum combined period of five years on all claims where you live in any of the following:
If you are not living in the UK or any of the places listed above, your benefit payments will be limited to a maximum combined period of six months.
Present UK tax law and HM Revenue & Customs practice means that:
The tax rules could change in the future, so please bear in mind that you and/or we, could be liable to taxes or other costs in the future.
You can make a claim when you lose income because you cannot work as a result of your illness or injury. You should check your benefit statement and plan documents to see if the condition you are suffering from is not covered. If your condition is covered, you should contact our claims team for a claim form within two weeks of stopping work if your waiting period is less than five weeks, or weeks otherwise.
To make a claim, please contact our claims team on:
Telephone: +44 (0) 20 7400 5730
Email: claims@dentistsprovident.co.uk
Address: PO Box 76944, London EC1P 1LG
To make a claim, you need to complete and return the claim form within 90 days of the end of your waiting period. To help us settle your claim quickly, please answer all of the questions completely, accurately and to the best of your knowledge, as well as providing any information we ask for as soon as possible.
Your doctor will need to complete the medical certificate attached to the claim form and you need to give us evidence of your income, such as your most recent financial statements, tax return or payslips.
If you are working immediately before your illness or injury, we will assess your claim based on your inability to carry out the material and substantial duties of your occupation. In addition, your income must have fallen because of your illness or injury and you must also not be doing any other work, unless you are making a phased return.
If you were not working immediately before your illness or injury and you do not have a formally agreed start date for a new role, we will assess your claim based on your inability to independently carry out three of the following six activities of day to day living:
Your illness or injury needs to be diagnosed by a doctor who is competent in the relevant field. You must also remain under their regular care throughout your time off work and comply with their reasonable recommendations.
We may also ask you for further evidence of your illness or injury. This can include asking you to attend a medical examination or meeting with our appointed representatives. If you do not give us the information we ask for, we may not be able to start or continue paying your claim.
The maximum annual benefit payments you can receive cannot be more than:
We will reduce the maximum benefits we can pay by the amount of any regular benefits due under any similar insurance plans and any income you will receive during the claim. If any of the income is taxable, we will only take 80% of that income into account in our calculations.
When you make a claim, we will need:
If the maximum benefits you are entitled to are lower than your cover, we will not refund you any premiums.
You will receive your benefit payments until the earliest of the following:
Your benefit payments are paid monthly in arrears after the end of your waiting period. If your claim is for less than one month, you will receive your benefit payment at the end of your claim, based on an appropriate fraction of your monthly cover amount.
We will usually pay your benefit payments directly into your UK bank account within three days of the payment being authorised, however where we cannot do this, we will send you a cheque, normally on the same day.
If your illness or injury reoccurs within 12 months of going back to work and you need to make a claim, we will treat the second claim as a continuation of your original claim. This means we will not apply the waiting period again and your new claim will restart on the same basis as the original one.
If you can only return to work in a part time or lower paid role because of your illness or injury and you have been receiving your benefit payments for at least three months, then you will continue receiving part of your benefit payments for up to a total of seven years over the life of your plan.
You must not be able to work for more than 18 hours a week or 55% of the hours you worked before your illness or injury, whichever is lower. You must also remain under the care and supervision of your specialist and continue receiving proper medical treatment.
In addition to any conditions specifically excluded from your cover as a result of your medical or family history, this plan will not pay out if your illness or injury is caused by:
The Essential protection plan is a personal income protection insurance plan which pays you regular benefit payments for up to five years, to help replace the income you lose if you cannot work because you are ill or injured.
This plan comes with several features to help you customise it to suit your individual needs. If you are applying for this plan, you will have to decide:
You can only apply for this plan if you are:
Your personalised illustration shows the monthly premiums for your plan based on our standard premium rates. Your premiums depend on several factors such as your age, nicotine use and how you have chosen to customise your plan.
Sometimes, because of your health or family history, your actual premium will be different from that shown in your personalised illustration. If this happens, we will contact you to explain the reasons for this and we will not start your cover without your agreement.
When setting up your plan, you will need to make a few decisions so that it meets your needs. You need to:
When selecting your cover, you should think about your current income and also the income you will receive when you are claiming.
If you make a claim, we will calculate your maximum benefit payments based on your income at the time. If the total amount you receive from all sources exceeds our limits, we will adjust your benefit payments accordingly. For more information, please see section ‘What benefit payments can I receive?’.
The combined maximum initial cover you can have under this and our other protection only plans cannot be more than £78,000 a year, or £6,500 a month.
You can choose the maximum period that you want to receive benefit payments. You can choose from 1, 2, 3, 4 or 5 years for either an individual claim or all your claims in total.
Once we have paid you the full amount, your benefit payments will stop. If you have asked us to base your benefit payment period on individual claims, then your plan will continue after your benefit payments have stopped and you will be able to claim again for a different reason at a later date. If you want to claim for the same reason again, you will need to have been back at work for at least 12 months, otherwise we will treat the second claim as a continuation of your original claim.
If you selected the option to have your benefit payment period based on all your claims in total, then once we have paid the benefits up to your selected duration, your plan will end so that you do not pay for cover you cannot claim on.
The waiting period for your claim, also called the deferred period, is how long after you stop working, because of an illness or injury before your benefit payments start. This plan offers a number of different waiting periods, ranging from 4, 8, 12, 13, 26, and 52 weeks. You should select a waiting period which takes into account the changes in the income from your occupation after you stop working because of an illness or injury.
Your plan and your entitlement to benefits will automatically end when all your covers end, which will normally be on your 65th birthday. However, you can choose any age between 55 and 65, if it better suits your needs. If your long term career plans change after your plan has started, you can reduce the age when your cover stops by giving us advance notice.
If you select this option, your premiums will not normally increase with your age or if our claims experience gets worse.
If you do not select this option then, besides any changes in your premiums which happen as you get older, we can also change your premiums every January because of changes in our claims costs or business expenses. If we review our premium rates, we will give you at least 60 days advanced notice of any changes.
If the premium rates increase, you can choose to pay the increased premiums or keep your monthly premiums the same by reducing your cover.
If you choose this option, you will not have to pay premiums for the cover for the duration of your claim from the month after you have received benefit payments for a total of three months. We will also refund the premiums you have paid for the cover for the three months.
The optional features help you customise your cover further. These are:
If you choose this option, your cover will increase in line with the UK consumer price index every January. The automatic increases will begin in the January after you have held your cover for 12 months. We will not increase your cover by more than 5% in any year and 150% overall. If you are receiving benefit payments, these will automatically increase as your cover increases.
If you do not want this option, then your cover will not change and your benefits will be paid at the same rate throughout your claim.
This option lets you increase your cover by up to 30% of the initial amount, without any medical assessment after you have had the cover and paid your premiums for 3 years or if you are promoted, change jobs, become a parent, increase your personal mortgage or if you marry or become a civil partner. Please refer to the plan terms and conditions for further information.
In addition, your plan comes with a number of features as standard, these are:
If your employment status changes, for example you change from being an employee to becoming self-employed, or change jobs, you can change the waiting period of your cover to suit your new role. If your cover has a waiting period of thirteen weeks or more, you can reduce it to a minimum of four weeks without any further medical assessment. Please refer to the plan terms and conditions for further information.
You can ask us to increase your waiting period without the need for a medical assessment at any time.
After the third anniversary of your cover, if you take a career break and stop working, you can suspend your cover. This means you will not have to pay any premiums for your cover, but you will not be able to make a claim.
You are entitled to 36 months break over the life of your plan. You do not have to use the full allowance at the same time and you can take multiple breaks, as long as each one lasts at least six months. Please refer to the plan terms and conditions for further information.
If you are not working and you become ill or injured and you cannot carry out at least three of our six activities of day to day living, we will still pay you benefit payments based on the lower of either the total value of your monthly cover or £1,500 per month.
If your income changes after the start of your cover and we cannot pay your claim in full, this option ensures that the total amounts you receive from us and other third parties will not fall below a predetermined level. Please refer to the plan terms and conditions for further information.
You can protect your NHS pay by splitting your cover equally between our 26 week and 52 week waiting periods. If at the time you make a claim, you have not built up enough service to qualify for the full NHS sick pay entitlement; we will reduce our waiting period to match your entitlement, at no extra cost. The minimum waiting period we will apply to your cover is four weeks.
You can receive benefit payments for a maximum combined period of five years on all claims where you live in any of the following:
If you are not living in the UK or any of the places listed above, your benefit payments will be limited to a maximum combined period of six months.
Present UK tax law and HM Revenue & Customs practice means that:
The tax rules could change in the future, so please bear in mind that you and/or we, could be liable to taxes or other costs in the future.
You can make a claim when you lose income because you cannot work as a result of your illness or injury. You should check your benefit statement and plan documents to see if the condition you are suffering from is not covered. If your condition is covered, you should contact our claims team for a claim form within two weeks of stopping work if your waiting period is less than five weeks, or four weeks otherwise.
To make a claim, simply contact our claims team on:
Telephone: +44 (0) 20 7400 5730
Email: claims@dentistsprovident.co.uk
Address: PO Box 76944, London EC1P 1LG
To make a claim, you need to complete and return the claim form within 90 days of the end of your waiting period. To help us settle your claim quickly, please answer all of the questions completely, accurately and to the best of your knowledge, as well as providing any information we ask for as soon as possible.
Your doctor will need to complete the medical certificate attached to the claim form and you need to give us evidence of your income, such as your most recent financial statements, tax return or payslips.
If you are working immediately before your illness or injury, we will assess your claim based on your inability to carry out the material and substantial duties of your occupation. In addition, your income must have fallen because of your illness or injury and you must also not be doing any other work, unless you are making a phased return.
If you were not working immediately before your illness or injury, and you do not have a formally agreed start date for a new role, we will assess your claim based on your inability to independently carry out three of the following six activities of day to day living:
Your illness or injury needs to be diagnosed by a doctor who is competent in the relevant field. You must also remain under their regular care throughout your time off work and comply with their reasonable recommendations.
We may also ask you for further evidence of your illness or injury. This can include asking you to attend a medical examination or meeting with our appointed representatives. If you do not give us the information we ask for, we may not be able to start or continue paying your claim.
The maximum annual benefit payments you can receive cannot be more than:
We will reduce the maximum benefits we can pay by the amount of any regular benefits due under any similar insurance plans and any income you receive during the claim. If any of the income is taxable, we will only take 80% of that income into account in our calculations.
When you make a claim, we will need:
If the maximum benefits you are entitled to are lower than your cover, we will not refund you any premiums.
You will receive your benefit payments until the earliest of the following:
Your benefit payments are paid monthly in arrears after the end of your waiting period. If your claim is for less than one month, you will receive your benefit payment at the end of your claim, based on an appropriate fraction of your monthly cover amount.
We will usually pay your benefit payments directly into your UK bank account within three days of the payment being authorised, however where we cannot do this, we will send you a cheque, normally on the same day.
If your illness or injury reoccurs within 12 months of going back to work and you need to make a claim, we will treat the second claim as a continuation of your original claim. This means we will not apply the waiting period again and your new claim will restart on the same basis as the original one.
If you can only return to work in a part time or lower paid role because of your illness or injury and you have been receiving your benefit payments for at least three months, then, you will continue receiving part of your benefit payments for up to a total of five years over the life of your plan.
You must not be able to work for more than 18 hours a week or 55% of the hours you worked before your illness or injury, whichever is lower. You must also remain under the care and supervision of your specialist and continue receiving proper medical treatment.
In addition to any conditions specifically excluded from your cover as a result of your medical or family history, this plan will not pay out if your illness or injury is caused by any of the following:
