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
Care and support
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).
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: