Providing benefits for staff can be a significant expense, and in addition to ensuring the right schemes are in place, we help the Employer maximise appreciation of the benefits from the staff.
Staff Pensions: We advise on all the various Group Pension Schemes - from Occupational Wind-Ups through to Group SIPPs.
Our services include staff seminars plus annual employer update meetings and one-to-one surgeries. We will assess existing Schemes and also help set up new arrangements.
Executive / Directors Pensions
Although pension simplification in April 2006 meant that a lot of senior staff now use Self Invested Personal Pensions, our expertise in pre 2006 Executive Pensions and Small Self Administered Schemes means we can offer expert advice across all of the variables.
Group Income Protection (PHI)
Although this is one of the more costly employee benefits, putting together a group rather than having individual polices is considerably cheaper. The Market has contracted in recent years but this has coincided with a significant change in the options being made available. If you have a existing policy then we can assess this for you on renewal and in most cases obtain a discount, even if you remain with your existing insurer.
Group Private Medical Insurance
This is seen as very important benefit which usually incurs a P11D tax benefit for members. Therefore, ensuring price competitiveness on renewal and that the claims service is member friendly is of the upt most importance. Our renewal report will look not just at price and service levels but also at the policy options, which can can vary enormously between providers.
Death in Service
Group Death-in-Service/Critical Illness/Income Protection and Private Medical Insurance; As annually renewable polices we will perform a check for the best premiums, together with analysing Providers claims and underwriting records.
Group Critical Illness
This is very similar to Death In Service, in that rates are of primary importance. However, claims are on the increase and a full knowledge of the policy options and underwriting stances is essential
The Financial Conduct Authority does not regulate Employee Benefits advice