HS Financial Services - Declan's journey
Declan's journey
Income protection: Declan's moment of truth.

Declan's Story

'I swapped my income protection to be surgeon specific when I started surgical registrar training and realised how important me hands were to my career if I were unable to operate.'

A few years later, Declan had just completed a period away from operating, to research the impact of exercise on people undergoing major liver surgery. After a final operation on his first day back at work, Declan was cycling home when the unthinkable happened and he was hit head-on by a van. He was thrown onto the windscreen and then rolled over the bonnet. When he was late returning home, his worried wife tracked him using the GPS on his phone and was traumatised to find him with life-threatening injuries just a quarter of a mile from home.

Prior to the accident Declan was extremely fit and active. He commuted to work by bicycle every day and regularly competed in triathlons. His dad was a former world champion triathlete.

Declan sustained injuries to his brain, spine, both hips and his right shoulder, requiring emergency surgery. However, he was so keen to get back to work that only six weeks after the accident Declan was given permission to use a static bike for 20 minutes a day. Once out of his brace for his multiple spinal injuries, he was able to start swimming again.

After the accident, Declan received six months' sick pay from the NHS, and had to manage his outgoings closely. He continues to have problems with his speech and memory and at one point, was told that he would not be able to return to work for some time, meaning income was dropping further. This news was devastating for him so he called his income protection provider.

With his policy, the family was able to make ends meet and they didn't have to borrow money from family and friends. 'I had people to go to, but not everyone does. And because of my foresight to purchase income protection, thankfully I didn't have to. Most importantly my wife and I were able to continue trying for more children, and we have recently been blessed with our second child.

Phased return to work
Declan started a graded return to work under Occupational Health guidance six months following the accident. Six months later, one year after the accident, he returned to work full time. He continues to attend intensive physiotherapy as part of his rehabilitation.

His income protection provider continues to support Declan financially through their Rehabilitation benefit, until Declan can return to his former level of duties.
Posted by: Anne Barker on

General Buyer Terms

This agreement is in relation to MediEstates Limited whose registered office is at 1st Floor, Pacific House, Stanier Way, Wyvern Business Park, Derby, DE21 6BF acting for and on behalf of our clients ("the Vendors"); and yourself (Buyer's Name) in relation for an introduction to a prospective sale of a business as a going concern. By registering through this agreement I agree to all terms set out below:

  1. Definitions
    In this Agreement the following terms and phrases shall have the following meaning unless the context otherwise requires:

    Dental Practice business providing dental care. This business is under the MediEstates Ltd sale terms.
    Confidential Information
    Means the actual Vendors identity and all confidential information in respect of the Business, including, but not limited to, any ideas, business methods, prices, accounts, finance, marketing, research, development, manpower plans, processes, market opportunities, intentions, design rights, product information, customer lists or details, employees’ details, trade secrets, computer systems and software, and other matters connected with the products or services manufactured, marketed, provided or obtained by the Vendor, and information concerning the Vendor’s relationships with actual or potential clients or customers and the needs and requirements of such clients’ or customers’ operations.
  2. Obligation of Confidentiality
    The Prospective Purchaser agrees to treat as confidential, information supplied by or on behalf of the Vendor in connection with the sale of the Business.
  3. Exclusions
    The obligation of confidentiality set out in clause 2 does not apply to:
    1. any information received from a third party who was legally free at the time of disclosure to disclose it;
    2. any information which was already lawfully in the Prospective Purchaser’s possession prior to receiving it from MediEstates Ltd on behalf of the Vendor; and
    3. any information which is in its entirety already in the public domain.
  4. Duties of Prospective Purchaser
    1. The Prospective Purchaser shall take such a reasonable security measures to protect the Confidential Information and trade secrets.
    2. The Prospective Purchaser shall not, without the prior written consent of the Vendor, permit any of the Confidential Information:
      1. to be disclosed, other than in confidence to its legal or professional advisors;
      2. to be copied or reproduced;
      3. to be commercially exploited in any way;
      4. to be used for any purpose other than in connection with the prospective purchase of the Business;
      5. MediEstates is registered under the Data Protection Act 2018. Upon Signing this agreement you agree to follow the legal obligations of this act to protect the details of the information supplied to you, with it no to be passed outside of the control of you the prospective purchaser.
    3. The Prospective Purchaser agrees to keep a record of Confidential Information received.
    4. The Prospective Purchaser will return to MediEstates or the Vendor all documents containing Confidential Information and all copies of those documents on demand at any time which are in its possession or under its control, and for this purpose the term “documents” includes computer discs and all other materials capable of storing data and information. The Prospective Purchaser agrees that such documents remain the property of the MediEstates on behalf of the Vendor.
    5. The Prospective Purchaser must not jeopardise or re-direct the sale under any circumstances.
    6. The Prospective Purchaser must not contact the Local Area Team or CCG regarding any practice sale, by any means of media unless written permission is granted from the Vendor.
    7. To carry out own due diligence on practice purchases and accepts that any information MediEstates has supplied is information provided by the vendor and is not responsible for its accuracy or completeness.
  5. This Agreement
    The existence of this Agreement and its terms are confidential and neither MediEstates nor the Purchaser may disclose anything about this Agreement or its subject matter or implementation to any person other than in confidence to their legal or professional advisers.
  6. Duties of Prospective Purchaser
    When buying Dental practices, finance is normally needed. Our organisation operated over more than one of the MediHoldings brand, by completing this from you agree that the information can be shared to our other organisations to avoid the need to register independently and provide the best possible service.

    MediEstates will refer you to the specialist dental lending team and MediFinancial who will contact the necessary banks, whom have preferential healthcare lending rates in some cases, to ascertain which funding is available to you.
    By signing this agreement you do not have to use any of the banks MediFinancial contact, it is just another service which we provide.
  7. Deposit for Dental Practice
    If you are interested in putting forward a formal offer in for a practice, once the offer is accepted there will be a deposit required to secure the practice sale which is dependant of the practice size. This deposit is held in a client account and will be returned to the buyer on completion of the practice sale. You the buyer, will be required to sign a deposit schedule which will cover the buyer and the seller in the event that the practice sale does not proceed.
  8. Changes to this Agreement
    Any changes made to this agreement must be authorised and signed by one of MediEstates Ltd Directors.
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