Income protection for dentists

Income protection is an insurance policy that will pay out up to 70% of your usual income if you’re unable to work due to illness or injury.

This can provide much needed financial support to dentists, particularly self-employed dentists who run their own private practice, during periods of ill health that could result in a loss of income.

Monthly income protection payments can help you to continue living your current lifestyle without having to make serious cutbacks or rely on others.

Income protection can also have many benefits for dentists who work within the NHS, as you can align your payments with your NHS sick pay schedule.

Why not use the FCA-regulated service of Reassured Advice to compare multiple quotes to find the best available deal?

Income protection insurance through Reassured Advice starts from 20p-a-day.

Simply get in touch for your personalised, fee-free and no-obligation quotes.

What is income protection for dentists?

Income protection for dentists is simply an income protection policy taken out by someone in the dental profession.

This could either be a standard income protection policy, a policy with specialist features tailored to meet the needs of dentists or, if you own your own dental practice, an executive income protection policy.

When taking out income protection, there’s some important policy terms you should be aware of:

Benefit amount: This is how much will be paid out to you. You’ll be offered a benefit amount which can be up to 70% of your usual income. This will be received in monthly payments.

Policy term: This refers to how long you’ll be covered for. Most insurers will have a maximum policy term, as well as an upper age limit by which your cover must cease.

Payment period: This refers to how long you’ll receive payments for. You can opt for a short-term payment period (which will be a maximum of 1 - 2 years) or long-term payment period (which could last up until retirement).

Definition of incapacity: This refers to what makes you eligible to make a claim. Most income protection policies for dentists will come with an ‘own occupation’ definition of incapacity. This means you can make a claim if you’re unable to work as a dentist.

Deferred period: This is the period of time which must pass in order for your payments to commence. Typically, a deferred period can be between 4 - 52 weeks (but this can vary between providers).

Premium type: This refers to how you’ll pay for your cover. Premiums are often guaranteed (remain the same), reviewable (change over time) or age-banded (increase as you get older).

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Do dentists need income protection?

Income protection can be beneficial for dentists in the event they become too ill or injured to work to help cover key financial commitments, such as:

  • Mortgage / rental payments
  • Household bills
  • Food shop
  • Childcare
  • Travel expenses
  • Loan or debt payments
  • Leisure costs

Whether you work within the NHS or are self-employed, with your own dental practice, income protection can be beneficial to keep you afloat financially while you’re unable to earn your usual income.

Income protection for nhs dentists

Income protection insurance for NHS dentists

  • Some mainstream providers offer policies with features that are designed to meet the needs of dentists - such as aligning payments with your NHS sick pay
  • Can pay out up to 70% of your usual income
  • Payments can help you to cover rent or mortgage payments, household bills and other essential expenses
  • You’ll be covered for illness and injury
Income protection for self-employed dentists
  • Can be possible to take out executive income protection which can be claimed as a business expense
  • Executive income protection can pay out up to 80% of your usual income
  • Can also cover national insurance contributions, dividends and pension contributions
  • Can help to cover the income of a ‘key employee
  • You’ll be covered for illness and injury

Executive income protection isn’t something that’s currently offered by Reassured Advice.

But a friendly member of the team can help you to compare personal income protection plans, including policies which have features designed with dentists in mind.

How much income protection do dentists need?

Dentists, enter your monthly financial commitments to understand the level of income protection cover you require.

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£723 a month is the average monthly mortgage payment in the UK, with the average monthly rental price coming in at £700.

The majority of our monthly income will go towards rental or mortgage payments.

For this reason, it’s essential to have precautions in place to ensure you could keep up to date with your payments if you weren’t receiving your usual income.

Monthly income protection payments can help to cover this large expense and ensure you can stay in your home.

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According to the Money Advice Service, the average household spends £340 a month on household bills.

This includes electricity, gas, TV and broadband.

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Childcare costs are on the rise with it now costing £137.69 per week for part-time nursery for a child under the age of two.

That’s over £550 per month - is this an amount you’d be able to keep up with if you were unable to work?

Becoming ill could also result in the need for additional childcare while you attend doctors’ appointments or medical treatment.

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The average household in the UK spends around £97 a week on their food shop, totaling £388 a month.

While this may seem like a small amount in comparison to some of the other expenses mentioned, the food shop is often where we try to scrimp and save when we fall on hard times.

Income protection can take care of the cost of your weekly food shop, as well as many other essential costs.

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At the beginning of 2020, credit card debt in the UK was at £2.1 billion, with almost 27 million UK residents in some kind of debt.

Becoming unable to work could make it hard to keep up with credit card or loan payments (including car finance or other financed goods).

Failure to keep up with payments could result in additional interest being incurred or late fees issues - resulting in a higher total needing to be paid.

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The average spent on public transport each month comes to an average of £94.

This includes the cost of public transport, as well as petrol and diesel vehicles.

While this amount may reduce while you’re unable to work as you won’t need to commute there may be additional spending on public transportation if your illness or injury leaves you unable to drive.

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Your total cover estimate

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Let us find your best quotes.

Best income protection for dentists

The best income protection for dentists will be the policy that offers the greatest amount of cover, to help cover key financial commitments, that’s at a price within your budget.

It can be possible to secure income protection for dentists through specialist providers or through mainstream providers who offer special terms to meet the needs of those in the medical profession. For example:

InsurerFeatures offered
Aviva logo Aviva income protection+ includes features to meet the needs of those in the medical profession, such as a 52 week deferred period which can align with your NHS sick pay
LV= logo LV= income protection includes specialist features for NHS doctors, dentists and surgeons, such as sick pay guarantee
Royal London logo Royal London offer income protection for NHS professionals which includes features such as sabbatical cover, minimum benefit amount of up to £3,000 and NHS sick pay mirroring
Legal & General logo Legal & General offer NHS sick pay protection with their income protection. This is available to dentists, doctors, midwives, nurses and surgeons. As well as an income guarantee of up to £3,000
Zurich logo Zurich offer a ‘dual’ deferred period so that payments can be aligned with NHS sick pay schedule, plus a minimum benefit guarantee of up to £3,000


In most instances, to be eligible for this type of cover, you’ll need have a licence to practice within the UK and must be registered (or provisionally registered) with one of the following:

Why not use the services of Reassured Advice to compare income protection for dentists from top UK providers (including those mentioned above) to find the best income protection policy to meet your needs?

How much is income protection for dentists?

The price you pay for income protection as a dentist will depend on your personal circumstances and your chosen policy terms.

During the application process, you will be required to provide key information in order for providers to calculate your monthly premium.

Personal factors required include:

  • Age
  • Occupation
  • Smoking status
  • Health and wellbeing

Details about your policy that influence the price you pay include:

  • Policy length
  • Payment period (short-term or long-term)
  • Deferred period
  • Definition of incapacity

Premiums are calculated based on the level of risk you pose to the provider, the information detailed above allows providers to assess your level of risk and calculate your premium accordingly.

No two income protection quotes are the same so it’s important to compare multiple options to find the most affordable cover.

Reassured Advice can help you to find the most affordable income protection for dentists. Cover starts from 20p-a-day so get in touch for your fee-free quotes.

Can income protection match dentist NHS sick pay?

If you’re a dentist that works within the NHS, and are eligible for the NHS sick pay scheme, then an income protection policy can work hand in hand with your schedule to ‘top up’ your finances during your half pay periods.

The NHS sick pay scheme entitles employees to up to 6 months full sick pay and 6 months half sick pay, depending on your length of service.

The NHS sick pay entitlement is as follows:

Continuous NHS ServiceNHS sick pay at full payNHS sick pay at half pay
First year of service1 month full pay2 months half pay
Second year of service2 month full pay2 months half pay
Third year of service4 month full pay4 months half pay
Fourth and fifth years of service5 month full pay5 months half pay
After completing 5 years of service6 month full sick pay6 months half pay


Many income protection policies offer features such ‘NHS sick pay guarantee’ or a ‘stepped deferred period’ which can help to match your income protection payments with your NHS sick pay schedule to pay out during times you’re on half sick pay.

Compare income protection policies from providers who offer NHS sick pay guarantee through Reassured Advice.

Can dentists take out executive income protection?

If you own your own dental practice, such as a private practice, it can be possible to take out executive income protection.

Executive income protection is a policy typically designed for small to medium sized businesses to cover a key employee, with the premiums being paid for by the business.

If your private practice is structured as a limited company, it could also be possible for the premiums you pay to be treated as a business expense, making them tax-deductible.

Executive income protection isn’t currently something that Reassured Advice can arrange.

However, a member of the team can help you compare a number of personal plans (including those with specialist features for dentists). Simply get in touch.

Other policy types for dentists

There are other financial protection policies that may be beneficial to dentists, including:

Income protection for dentists life insurance cover
  • Can pay out a lump sum to your loved ones after your passing
  • A life insurance pay out can be used by loved ones to cover mortgage or rent payments, daily family living costs, funeral costs or it can provide an inheritance for them to spend as they wish
  • Cover can last for a specified period of time (term cover) or cover can be lifelong (whole of life insurance)
  • Most term policies also include terminal illness cover which will allow you to make an early claim if you’re diagnosed with a life-threatening illness and predicted to pass away within 12 months
  • Life insurance starts from just 20p-a-day through Reassured
Income protection for dentists critical illness cover
  • Can be added to a life insurance policy or taken out as a standalone policy through some providers
  • Can provide you with a lump sum pay out if you’re diagnosed with a serious (but not life-threatening) illness
  • The funds from this pay out can be used to replace lost income if you’re unable to work, pay for private medical treatment and/or make necessary adaptions to your home
  • Typically, 30 illnesses are covered within critical illness cover (this can be more or less comprehensive depending on the provider)
  • Life insurance with critical illness is available

Depending on your budget, these could be taken out alongside an income protection policy to provide a comprehensive cover solution.

For example, an income protection policy to provide cover during your working life and a life insurance policy to protect your loved ones after your passing.

Critical illness cover is similar to income protection in that the funds from the pay out can be used to cover lost income. However, critical illness provides a lump sum rather than monthly payments.

We have written a complete income protection vs critical illness cover guide if you would like more information »

Compare income protection for dentists

Becoming a dentist can take years of studying and training, so why not take steps to protect your livelihood?

Compare income protection quotes through Reassured Advice to find the right policy to meet your needs (at the best available price).

Using the FCA-regulated services of Reassured Advice, you can compare quotes from the whole of the market, including leading providers and those that offer specialist terms for dentists and medical professionals.

Income protection starts from just 20p-a-day through Reassured Advice, simply get in touch for your personalised and fee-free quotes.

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