The Clauses That Cost You: What to Check in a Dental Associate Agreement
For dentists holding an associate offer who want to find the costly clauses and know what to ask before they sign.
Read your contract as a story about how the job ends. The clause that costs you is the boring one that waits.
About this Guide
Chairlink Answers · Career Growth · Field Guide
Most associate contracts don't hurt you on day 1. They hurt you on your last day.
This guide teaches you to read your agreement the way an attorney does: as a story about how the job ends. Start with the contract searches, the crown example, and the checklist on this page. Then download the full guide for all 7 clause families and the exact questions to ask.
The 7 clause families
Family What it asks
1. Reach Where can't you work after you leave?
2. Exit Can you leave, and what does it cost?
3. Status Are you an employee or a contractor, and who pays if that's wrong?
4. Basis What is your percentage a percentage of?
5. Floor Is your minimum yours to keep, or a loan?
6. Cover Who handles insurance, expenses, offices, and records?
7. Promise Does talk of ownership actually bind anyone?
How to use it
- Open your contract as a PDF, and run the 8 searches below.
- Work out your pay on 3 real cases.
- Draw your non compete on a map.
- Take your blanks to a dental employment attorney licensed in your state.
This guide can't tell you if a clause holds up in your state. Only a dental employment attorney licensed there can. This guide is education, not legal, tax, accounting, insurance, or financial advice.
Federal non compete status checked 10 September 2026.
Written and reviewed by the Chairlink Answers editorial team.
Try this on your contract
The 3 question test: For any clause you're not sure about, ask: When does it fire? What does it cost? Who decides it fired?
If you can't answer all 3, write the clause down, and take it to your attorney as a specific question.
A contract is a story about how the job ends
Picture this. It's year 2. A practice across town comes up for sale, and you want it. Here's what your contract does next:
- Notice says you must give 90 days. The seller wants to close in 30.
- Penalties charge a set amount for every day you leave early.
- The non compete is measured from every office the group owns. The practice you want is inside a circle.
- The bank reads your contract and declines the loan. Nobody ever went to court.
Scan your contract in 10 minutes
Open your contract as a PDF, and search for these words. Each one points to a clause worth a second look.
Search for What it can mean Ask for
radius, miles, any location Your non compete may cover every office, not just yours Measured from the office where you work, and how it's measured
solicit Even a general ad could count as going after patients "Solicit" defined, and general advertising excluded
without cause, notice They can let you go easily, but you can't leave The same notice and the same rights both ways
liquidated damages, per day A daily penalty that grows into a wall A cap, or a penalty that shrinks over time
independent contractor, indemnify You could pay the fine if the practice set up your tax status wrong Remove the clause that makes you pay their fines
collections, adjusted production This decides what your percentage is actually a percentage of 3 real cases worked out on paper
recoverable, draw Your "minimum" might be a loan you pay back A guarantee, or a clear payback rule with a monthly report
termination near collections Whether you're paid for work that gets paid after you leave Your percentage of money that arrives after your last day
Can't find a word? That can be a problem too. No mention of money after you leave usually means you don't get it.
The base beats the percentage
The American Dental Association uses 1 crown to show this. Billed $1,500. Insurance allows $1,000. The practice collects $950.
Your deal You earn on that crown
35% of collections $332.50
35% of adjusted production $350.00
30% of total production $450.00
The lowest percentage pays the most. These are teaching numbers, not typical ones. Ask the owner to work out your pay on 3 real cases, then do it on your own. If you get different answers, the clause isn't finished.
Before you sign
- Line up a dental employment attorney, a CPA, and someone with no stake who knows you
- Search your contract using the 8 searches above
- Work out your pay on 3 real cases
- Draw the non compete on a map
- Multiply any daily penalty by the days left on the contract
- Ask what happens to money that arrives after you leave
- Get your signed copy the day you sign
What the full guide adds
All 7 clause families in order, plus:
- 6 hard stops that no signing bonus should balance out
- 19 red flags and 16 green flags to check line by line
- 2026 self employment tax numbers if you're offered a 1099
- What to push for when you can only change 2 things
- The exact questions for the owner, your attorney, your CPA, and your insurance carrier
- An 8 step plan from first read to your last day
As of 10 September 2026, the FTC says its non compete rule is not in effect, so state law decides.
Download the Full Guide