PLAN DETAILS DEDUCTIONS CHARGES NoYes † Yes † Yes † None Yes, £15,000 No Yes † Yes Yes †
Policy fee: £4 mly/£48 yly (included in premium)
Yes † £15,000 5 yrs Yes, Yes, Yes, £15,000 £130,000 £15,000 5 yrs Yes † Yes Yes £15,000 £180,000 £15,000 Yes † - Yes
£75 per night
On benefit indexation plans a reviewable rates option can be selected which are reviewable after the fifth anniversary and annually thereafter. Benefit Indexation: Option for no indexation available. Deductions: Pension benefits are not deducted if they would have for whatever reason other than retirement, during policy term. Low cost/Maximum benefits pa: If option is selected the aggregate total maximum benefit payable in relation to any incapacity will be subject to a maximum 5 year benefit term. Once 5 year benefit periods.
NoYes Yes Yes Yes † Yes † Yes Yes Policy fee: £2.60 mly/£30.42 yly Yes Policy fee: Included in premium Yes No
(Benefits months suspended)
None Yes 4 Yes Yes No Yes
£16,800 max £16,800 £150,000 24
Yes £45,000
whilst resident or temporarily resident outside UK. Limited to 104 weeks for EU and selected countries, 26 weeks in total elsewhere in the world. No No † Yes Yes †
Yes No max years £2,730 £40,950
guaranteed inasmuch as we will not review your premium because of your individual claims history. As a mutual society, premium rates may only be amended following a majority vote of eligible members in general meeting. Annual Premiums: By arrangement claims paid in full for the first 52 weeks of claim; thereafter paid at full rate if the member is unable to undertake their own or a suited occupation. Houseperson - claims paid in full throughout the period of claim, provided member is unable to perform the Cover: Benefits are payable only whilst the claimant is in residence within the EU.
Yes † No † Yes Yes † None No † No Yes £42,640
of benefit paid, agreed with the other provider. Career Break: Cover may be suspended in specific circumstances. State Benefits: Payments which represent continuing regular income will be taken into account after the first 6 months of claim. NoYes
Yes Yes † None Yes No Yes Yes,
6 months - waived at discretion. Group contract: sometimes written for groups with each person separately underwritten. No Yes
Yes Yes None Yes 36s Yes Yes, £5,200 max £5,200 £62,400 £5,200 Yes Yes
(benefits months £93,600 £93,600 £18,000 suspended)
† Yes † Yes Yes † None Yes, £10,200 10 yrs † Yes, £10,400 65% of Yes,
taxable inc £10,400 minus bus. expenses
policyholder. Premiums: Premiums are subject to annual age banded increase as per published rate table. Definition of disability: If after not less than 52 weeks of a claim, the policyholder is able to carry out any occupation suited by training, education or is working. Other insurances: Only deducted if they arise from incapacity and involve a regular payment. Career break: No maximum duration, but if return to work is longer than 52 weeks, policyholder will need to be underwritten again to reinstate original benefit.
Yes † Yes † Yes Yes † None Yes, £10,400 10 yrs † Yes, £10,400 Yes, No
taxable inc £10,400 minus bus. expenses
protection benefits combined with state benefits income is higher than 65% of salary/income. Pension Benefits: If income protection benefits combined with pension income is higher than 65% of salary/income. Other insurances: If they arise from incapacity and evidence. The long term career break will not be available after 50th birthday.
Yes † Yes † Yes Yes None Yes, £10,400 10 yrs Yes Yes £10,400 £100,000
month/£10,400 per annum. Guaranteed age costed premiums which are then subject to annual age banded increases as per published rate table. Percentage of Income: Financial underwriting is completed at application or claim stage, guaranteeing benefit amount employ ment, maximum benefit equivalent to that of a houseperson at £10,400 p.a.
Yes Yes Yes Yes No No † Yes Yes None Yes Policy fee: £3.30 mly/£37.95 yly Yes No 12 Yes £12,000 max £12,000 Yes Yes N/A Yes £12,000 Yes £15,600 months £15,600 £150,000 £15,600 Yes † - Up to 90
£200 per nights night
on case by case basis. Low cost/Maximum benefits pa: Maximum benefits payable are subject to a maximum 2 year benefit payment. Once a claim has been paid for a period of 24 months the benefit payment will cease. Multiple claims can be made through No No Yes Yes
Initial charge: † Annual charge: †
None Yes, No max Yes, 2 yrs No
No max (in 3 month periods)
area covered if no more than 26 weeks per annum. No No Yes † Yes †
Policy fee: Included in premium Yes, No Yes, £20,000 max £20,000 2 yrs No Yes £34,000
in published table. Worldwide/European Cover: Travel within EU & UK Territorial waters is covered. Outside this area covered if no more than 26 weeks per annum. No No Yes Yes
Yes, £34,000 Yes, £200,000 Yes, £20,000 Yes £200,000 5 years Up to
£150 per night
monthly benefit calculated at the claim stage has enough scope to pay the monthly IP benefit alongside the continuing income, then no deduction would be made. Group contract available: Terms are different to the Individual Income Protection Benefit Plan. No Yes † Yes † Yes †
Policy fee: £3 mly (included in premium rates quoted)
Yes Yes None Yes £18,000 No - 2 yrs Yes, Yes, Yes, Yes £18,000 £150,000 £18,000 † £150,000
policies deducted. Unemployment benefit: This applies if insured is unemployed at time of claim. Worldwide/European Cover: Payments limited to 26 weeks unless person insured is in one of a number of specified countries. No No
Yes,
Immediate Cash Benefit. Yes Yes Yes Yes
Yes, Yes, £12,000 £126,000 £12,000 Policy fee: £5.93 mly/£71.16 yly No - No Yes, net No
relevant earnings
† = note. a = Contracts restricted to individuals who are resident and qualified to practice dentistry in the UK, Republic of Ireland, Channel Islands or the Isle of Man. RPI = Retail Price Index. NAE = National Average Earnings. NRA = normal retirement age. RA = State retirement age. WOL = whole of life.
mly = monthly. yly = yearly. ADL = activities of daily living. ESA = employment support allowance. WRAC = work related activity component. March 2015 r = regular. s = single. prem = premium. comm = commission. N/A = not applicable. amc = annual management charge. prot = protection. 31 No - No - Yes Yes No No No - No - Yes Yes No Yes 2 years No - Yes Yes No Yes † 91 days Yes No Yes † Yes † No No - No - Yes Yes No Yes † No No - No - Yes Yes No Yes † Yes Yes Yes Yes † No - No 13 weeks Yes Yes No Yes † † No - No - Yes Yes No Yes No - No - Yes Yes Yes Yes No - No - Yes Yes No Yes No - No - No - No - Yes Yes No No No - No - Yes Yes No No No No No No Yes 1 or 2
£150,000 years Yes †
1, 2 or 5
years - No - Yes Yes No Yes† No No - - Yes Yes No Yes Yes No Yes Yes † 90 nights Yes Yes Yes Yes † No - No - Yes Yes No Yes FEATURES
European †† Union countries Yes Yes No Yes †
State benefits Pension benefits Continued income Other insurances
Career break Max benefits (pa)
Maximum duration
Houseperson Max benefits (pa)
Self-employed Max benefits (pa)
Unemployed Max benefits (pa)
Low cost Max benefits (pa) Max claim period
Hospitalisation benefit per day
Maximum duration
Proportionate benefit Rehabilitation benefit Grp contract available?
Worldwide/European Cover
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