Income Protection for Dentists

As a dentist having healthy hands, neck, back and eyes is vital. It is important therefore to take out cover in the event that you cannot do your own job, especially if you are the sole breadwinner in your family.

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The Financial Conduct Authority does not regulate on Estate Planning.

“The one protection policy every working adult in the UK should consider is the very one most of us don’t have – income protection.” Which?2014

What is dentist’s’ income protection insurance?

Income protection insurance for dentists is a specialist form of insurance designed to help maintain a level of income, and hence your lifestyle, in the event of being unable to do your own job.

Typically, your income protection policy will provide you with a tax free monthly income based on a percentage of your gross earnings, e.g. 65% of your normal gross earnings.

Whether you are a private dentist or employed by the NHS, it is important to understand how you would cope financially, if you suffer from ill health or an injury that prevents you from doing your own job.

In the event that you are unable to work and if you are a self-employed dentist or orthodontist there may be stringent terms in your contract which require you to pay for a replacement locum, for a protracted period of time. Again, it is therefore important to understand how you might fund the unexpected and maintain your lifestyle.

Do I need it?

In the event that you could not do your job for a protracted period of time, or indefinitely for that matter, could you maintain your lifestyle, if you suffered a total loss of income?

As an example, a back or neck injury may prevent you from carrying out your normal occupation and if signed off by a consultant would then trigger the policy to pay out.

Specialist income protection for dentists

We can broker a bespoke income protection policy catered to your profession, as a dentist or orthodontist. This will require help from a specialist broker, so, it is important to seek help in the form of a chartered financial adviser to find the right cover for you.

Want further information?

Perhaps the most important advice I give to my clients is to plan carefully and do not leave things to chance. My job is to help you grow and protect your assets by providing the know-how you need to make informed decisions about your future. I then help you implement the strategy into a reality by working with you over the long term, helping you to build, brick by brick, a successful and robust financial situation.

Get in touch to discuss your bespoke income protection requirements.

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