Why Income Protection is Essential for Dentists

Why Income Protection is Essential for Dentists
Secure your income. Safeguard your future.

For dentists, the ability to earn an income is directly tied to their health and ability to work. Unlike many professions, dentistry is a hands-on, physical role -so if illness or injury prevents you from practising, your income could stop overnight. That’s why income protection is not just a nice-to-have; it’s essential.

Here’s why every dentist should consider income protection:

1. Your Income Is Your Greatest Asset
   You’ve invested years in education and training to build a successful dental career. Your ability to generate income is the foundation for your lifestyle, savings, mortgage payments, and future plans. Income protection ensures that if you’re unable to work due to illness or injury, you’ll continue to receive a regular income -helping to maintain financial stability and peace of mind. Unlike some short-term policies, the right income protection plan will continue paying out until your chosen retirement age if you’re unable to return to work due to a medical issue. It’s not a temporary fix – it’s long-term financial security.
2. Dentists Face Unique Health Risks
   Dentistry is a physically demanding profession. Long hours in static postures, repetitive hand movements, and the intense concentration required can lead to conditions such as musculoskeletal disorders, back and neck pain, and repetitive strain injuries. Mental health challenges like stress and burnout are also common. Any of these can suddenly stop you from working and recovering without a financial buffer can be incredibly challenging.
3. NHS Sick Pay Won’t Last Forever
   While NHS-employed dentists have access to sick pay, it’s limited in both duration and amount. For self-employed or private dentists, there’s often no built-in safety net. Income protection fills that gap, providing financial support that continues long after employer sick pay or savings run out.
4. It Helps You Protect Your Practice and Your Lifestyle
   Being unable to work doesn’t just affect you – it can affect your whole practice. Overheads still need to be paid, and the pressure on your team may increase. Income protection gives you breathing space, so you can cover essential costs and make a plan without rushing your recovery. It also ensures you can continue paying for personal expenses like your mortgage, bills, and family commitments.
5. Custom Cover for Dental Professionals
   FTA Financial and Wealth Management understands the dental profession inside out. They can help you tailor an income protection policy to suit your specific needs, whether you’re employed, self-employed, or a practice owner. With options around deferment periods, benefit amounts, and the length of cover, it’s a flexible solution built around your life and your practice.

Don’t Leave Your Financial Security to Chance
An unexpected illness or injury could disrupt everything you’ve worked for. Income protection ensures your financial life continues smoothly so you can focus on recovery without added stress.

For more information about income protection please call us on 0330 053 5745.