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Business and personal insurance

Whether you are starting out in your career or own an established practice, there's a financial strategy for you. You might be thinking of moving from NHS to private practice. You might want to develop your business by moving to a new premises, or even investing in the latest laser technology.

Business finances

Business and financial objectives go hand in hand; it will be your business activities that result in your business income and expenditure. This advice provides a background to the different tasks you need to consider in managing the financial aspects of your dental practice.

Pensions

A pension scheme is a type of savings plan to help you save money for later life. Unlike many other forms of savings, pension contributions attract tax relief.

Professional indemnity

Choosing your professional indemnity arrangement is one of the most important decisions that you will make in your professional life. This advice outlines the different types of products available to dentists.

National insurance and employment allowance calculator

Following the Budget's changes to employer's National Insurance Contributions for 2025/26 onwards, we've produced this calculator to help you understand the potential impact on your practice.

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Advice

Pensions

NHS Pensions in the salaried services 1995 and 2008 sections

An overview of the main elements of the NHS Pension Scheme in relation to dentists working in the salaried services within a hospital, community or salaried general dental service setting

Advice

Pensions

Lifetime allowance

Advice on lifetime allowance (LTA) in the dental practice, which limits the amount that you can save into registered pension schemes on a tax efficient basis.

Advice

Business and personal insurance

Lloyd & Whyte

Lloyd & Whyte help members from recent graduates to retired members and everyone in between. At work or at home, they have developed their services to help you protect and achieve what matters to you.

Advice

Pensions

Prison dentists: access to NHS pensions scheme

Advice for prison dentists previously incorrectly excluded from the NHS pension scheme, whose contributions can be included retrospectively since February 2021.

Advice

Pensions

NHS pensions 24-hour retirement for sole providers

Advice about 24-hour retirement for sole provider dental practitioners to receive pension benefits.

Advice

Business finances

Tax

A basic overview of your various possible tax obligations in the dental practice.

Advice

Professional indemnity

Indemnity

This advice intends to help you understand the key differences between the various indemnity products and make a properly informed and considered decision for yourself.

Advice

Pensions

GDS 2015 Scheme

Overview of the 2015 NHS pension scheme. which differs significantly from the 1995 and 2008 sections of the previous scheme.

Advice

Pensions

Calculation of NHS net pensionable earnings (England and Wales)

A guide for pensionable earnings (NPE), the basis for working out how much NHS pension a dentist is entitled to.

Advice

Pensions

NHS pension scheme - How to retire (England and Wales)

Advice on claiming your NHS pension when retiring from a dental practice in England and Wales.

Advice

Pensions

NHS pension information statements

Keep track of all your pensions benefits; NHS and private.

Advice

Pensions

Annual allowance

Everything you need to know about the NHS pension and your annual allowance.

Further reading

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Blog

The difference between occurrence-based and claims-made indemnity

Len D'Cruz: Choosing the wrong indemnity cover can potentially leave a practitioner seriously out of pocket.

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Blog

Moving away from NHS commitment and the impact on pension savings

Your NHS pension can be affected by decreasing levels of NHS work, something often triggered by diversifying into private general practice.

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Blog

Entity cover and why you need it

Law firms are increasingly bringing claims against entities, rather than pursuing the dentist who performed the treatment. Are you covered?

INDEMNITY

Switching to BDA Indemnity

No two indemnity products will be the same, so a cheaper quote may not provide the best cover.
Find out more
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