Dental, Optical & Osteopathic Claims

Discretionary Benefits - Dental, Optical and Osteopathic grants

What are the Discretionary Benefits?


Being a mutual society allows us to offer additional benefits to our Sickness and Savings Plans’ members at no extra cost.

They become eligible for Discretionary Benefits for Dental, Optical and Osteopathy treatments after 12 months’ contributions have been paid into a Sickness or Savings Plan.

Our ISA and Health Cash Plan members are not eligible for Discretionary Benefits.

In 2021 and 2022 we paid

nearly £273k in Discretionary Benefits

Please Note

Discretionary Benefits have been paid by TFS for over 30 years and we intend to continue to pay these in the future. However, it is important to point out that they are not guaranteed and could be reduced or taken away at any time.

Any claims for benefits in respect of treatments received outside of the United Kingdom must be supported by a debit or credit card receipt and are at the discretion of the Board of Management.

Children are not eligible for Discretionary Benefits.

This is our way of giving back to our members

Discretionary Benefit limits

Discretionary Benefit limits
  • Dental treatment – 50% of the cost of treatment, up to a maximum of £100 per year.
  • Optical treatment (including sight test) – 50% of the cost of treatment, up to a maximum of £100 every two years.
  • Osteopathic treatment – 100% of the cost of treatment, up to a maximum of £200 per year.

Before you claim

Prepare HCP claim

We aim to process our members’ claims as quickly as possible. In order to do that, we require you to submit your claim form fully completed along with the official receipts or other relevant supporting documentation.

Please ensure your receipt complies with our requirements, as failure to do so may cause a delay to the payment of your claim. Please check these requirements below.

Receipt Requirements for Discretionary Benefits Claims

Submit your claim

Claim Icon

Claim Online

The quickest and easiest way to claim is online. Please click here to proceed with your claim and ensure that all receipts include your full name. Debit/credit card receipts are not accepted without an official receipt.


Claim by Email (desktop only)

Alternatively you can complete a claim form for Dental & Optical Benefit or Osteopathic Benefit  and email along with your scanned receipts to claims@tfs.uk.com


Print, Complete and Post Your Claim

If you prefer to send in your claim by post, print the appropriate form below.

Dental & Optical Benefit 

Osteopathic Benefit

Last Updated: March 2023