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News Bulletin : ADA News Bulletin October 2011
40 OCTOBER 2011 COvER fOR bUSInESS OvERHEAdS dURInG ILLnESS OR InJURY Income protection is only one part of the ongoing income puzzle. With your family’s financial security closely linked to your business, it is important to think about what would happen to your business if something happened to you. Income protection is designed to protect you and your family. But where does the money come from to pay practice bills while you can’t see patients? BUSINESS EXPENSES insurance can cover 100 per cent of eligible business overheads for up to 12 months should an injury or illness prevent you from working. Typical expenses that can be covered include: premises’ rent and loan payments, equipment or vehicle leasing costs, utility bills such as electricity, heating and water, and staff salaries. Professional advice from a financial adviser is recommended when considering BUSINESS EXPENSES as each person’s circumstances are different. Other insurance needs can also be reviewed to ensure that you continue to remain suitably covered. Gow Gates Financial Services Pty Ltd has been providing insurance advice to self-employed professionals since 1964. For further information and an analysis of your individual circumstances, contact: Gow-Gates Financial Services on 02 8267 9951 or email: email@example.com Gow Gates Financial Services Pty Ltd, ABN 97 001 250 344, Authorised Representative of Apogee Financial Planning Limited, ABN 28 056 426 932, Australian Financial Services Licensee, Registered Office at 105 –153 Miller Street, North Sydney NSW 2060. Disclaimer: This advice may not be suitable to you because it contains general advice that has not been tailored to your personal circumstances. Please seek personal financial advice prior to acting on this information. PRODUCT NEWS is a service to our readers and is not an advertisement for the products identified. Information reported here is provided by the manufacturers and distributors and, although it is screened for reliability, the News Bulletin does not assume responsibility for the accuracy of all data. Requests for additional information should be addressed to the manufacturers or distributors listed. product news Please refer to website www.racds.org for further details about the College and its programs ABOUT THE RACDS The College provides opportunities for new graduates and experienced dentists to improve their skills, knowledge, and understanding. Participation in College programs is suited to all career paths in Dentistry including private practice, government health services, academia, armed service, and university postgraduate study. Recognition of the College is widening as closer links and alliances are developed with agencies and institutions within Australia, New Zealand, Asia, the U.K, and the Middle East. Membership General Stream Special Field Stream The FRACDS General Stream comprises of a Primary Examination and a Final Examination (holders of the award of MRACDS may present directly for the Final Examination). The Primary Program has 6 areas of study and examination and the aim of the program is to enable candidates to demonstrate an understanding of fundamental principles of basic science and their relationship to clinical practice. The Final Examination is clinically oriented requiring demonstration of a broad experience in general dentistry, a maturity of clinical judgement and application of knowledge based on current literature. Whether you are an existing Member or Fellow in the General Stream or if you are considering Fellowship in a Special Field, this pathway provides an opportunity to become a Member of the College in a specialist discipline. Membership is open to specialists in the fields of Endodontics, Oral Medicine, Dental Public Health, Periodontics, Prosthodontics, Special Needs Dentistry, Paediatric Dentistry, and Orthodontics. Holders of the award of MRACDS in a Special Field may then apply for eligibility to present for the Final Examination in their Special Field following a period of independent practice. Examinations at an advanced level in the Special Field Stream provide a pathway to Fellowship in the above specialist fields. Examination is in the form of a peer review assessment based on cases submitted by the candidate. The College also conducts the training program leading to Fellowship in Oral and Maxillofacial Surgery. This program comprises four years of training following completion of Medicine and Dentistry and is accredited by the Australian Medical and Dental Councils and the Medical Council of New Zealand. For more information about any College programs, please visit the website or contact the College office. This two-year, structured educational learning program for qualified General Dental Practitioners leads to the award of MRACDS. It is based on the successful completion of appropriate CPD courses and related RACDS assessment components. The MRACDS (Membership of the Royal Australasian College of Dental Surgeons) is a clinically relevant, educational program designed specifically for GDPs; a program which enables you to advance your practical GP clinical skills and develop a strong educational and financial base for your practice. The program is self-directed and modular. The Royal Australasian College of Dental Surgeons Fellowship Membership Fellowship Contact us Royal Australasian College of Dental Surgeons Level 13, 37 York Street, Sydney, NSW 2000 AUSTRALIA Tel: +61 2 9262 6044 Fax: +61 2 9262 1974 Email: firstname.lastname@example.org Web: www.racds.org
ADA News Bulletin September 2011
ADA News Bulletin November 2011