Income protection for dental students and foundation dentists

Let Wesleyan support the start of your dental career

Why income protection from Wesleyan is something to smile about

By providing a replacement income when you’re too unwell to work, our income protection gives you the peace of mind you need to start your dental career with confidence. And the best part? We’ll pay your premiums for you.

  • Receive a regular tax-free income to help cover your outgoings if you’re unable to work or study through illness or injury
  • Let Wesleyan pay your premiums in your final year of studies, and your first two years as a qualified dentist
  • Get benefits tailored to fit around the NHS sick pay scheme
  • Access free care and support services to help you back to health
  • Take your cover with you wherever your career leads

Could you survive on sick pay?

At the outset of your dental career, the prospect of illness or injury forcing you to take time off work is probably the last thing on your mind. It can happen at any age though, which is why it can make sense to protect your income from the very start.

Our income protection plan for dental students and foundation dentists is designed to do just that, paying you a tax-free monthly income in the event that you can’t work or study due to ill health.

If you’re thinking that’s what sick pay is for, you’d be right. But the NHS Sick Pay scheme will only go so far when you’re new to the health service. During the first year of service, for example, you’re only entitled to one month’s full sick pay and two months’ half pay. 

Could you pay all your rent, bills and other expenses on half your salary? And what happens if you’re off for longer – when sick pay stops altogether?

Helping you back to work

Our specialist income protection plan is available for dental students in their final or penultimate year, and for newly qualified dentists in the first two years of their job.

It’s designed to kick in when your sick pay reduces, providing longer-lasting financial support when you need it most. 

To us though, income protection is about more than just offering a financial comfort blanket. 

Care and support

We’ve partnered with leading healthcare provider Innovate to offer practical care and support services alongside your plan, at no extra cost.

It means you have access to helpful services like physiotherapy, osteopathy or counselling to help you get back on your feet – and back to work – as quickly as possible.

You can find out more about the features and benefits of our income protection plan by reading this Key Features Document.

Student cover

If you’re aged between 20 and 34, and coming to the end of your dental studies, you’ll be eligible for our student cover.

You’ll be covered for up to £210 per week, at no personal cost to you. The premiums are on us.

New dentist cover

Once you qualify as a dentist, you’ll move automatically onto our new dentist cover.

If you accept our initial basic cover of up to £380 per week, we’ll continue to pay your premiums for your first two years as a dentist – or you can choose to pay for increased cover.

Even if you didn’t take out our student cover, you can take out new dentist cover at any point during your first 12 months as a qualified dentist.

Flexible cover

Flexible cover starts automatically on 1st August in the second year after you qualify as a dentist.

It provides you with a range of options to tailor your cover, including your choice of deferred period (when your benefits start to be paid out), how much cover you need, and how long the plan should pay out for.

If you’ve already been qualified for more than two years, find out more about the income protection we can offer. 

Frequently asked questions

  • What qualifies as a claim?

    In order to make a successful claim under your income protection plan, your illness or injury must prevent you from completing your studies or, once you’re working, from fulfilling the essential duties of your role. 

    We’ll always need to see a medical report from your doctor before we can pay out, and sometimes we may need you to provide more details or evidence too. 

    There’s more detail on how we assess your claims in the Key Features Document.

  • When will my benefits payments start?

    Benefits start being paid once the ‘deferred period’ has elapsed. In the case of student cover, the deferred period is set at six weeks – so you’ll start to receive benefits once you’ve been unable to study for this amount of time.

    New dentist cover is designed to start paying out when you need it, so usually begins when your employer’s sick pay stops or reduces. The earliest we can start to pay benefits is after four weeks.

    Once you reach flexible cover, you can set your own deferred period to suit you.

  • How long will benefits be paid for?

    Under both student cover and new dentist cover, the benefit payment period is capped at two years. However, once you reach flexible cover, you get to choose how long you’d like the policy to pay out for.

  • How many times can I claim?

    There’s no limit to the amount of claims you can make under your plan.

    All we ask is that you restart paying your premiums when your claim ends so that you maintain your cover (unless of course we’re paying the premiums for you at the time).

Key documents

Below you’ll find some useful documents to give you a better understanding of our income protection plan. Have a read through before your appointment – you might want to save them for future reference too: