Employee Benefits

Perk up your workforce and drive productivity with personalised employee health and lifestyle benefits, through our sister company Towergate Health & Protection.

About Employee Benefits

Options

Employer of choice

Employee benefits come in many forms and are an important part of the overall compensation package offered to employees

People

Reduce staff absence

Helping to meet the health and wellbeing needs of people before problems arise is crucial to keeping a business running successfully

Heart

Improve wellbeing

Offering wellbeing programmes in the workplace can help to improve morale, health and productivity

Direct Debit

Pay by Direct Debit

You can split your employee benefit payments into easy monthly instalments

Features of Employee Benefits

Standard cover

Expert employee benefits advice

Looking after employee health and wellbeing can be time-consuming and costly, so using our expertise can save you time and improve ROI as we search the whole of the market for you. Our team will be on hand to advise you on how to best protect your employees and your business.

Promoting engagement

Providing benefits to staff is one thing, but it is equally if not more important to demonstrate the value of what’s being offered to employees. We provide this support with member presentations, materials and on-site clinics which will help you to maximise the impact and value of the employee benefits offered. This helps to motivate and engage your employees, as well as attract and retain the best staff.

The option to have your claims handled by experts

For extra support, our dedicated claims concierge team can handle employee benefits claims on your company’s behalf. In addition to offering you reassurance and assistance, making use of our claim handlers’ extensive knowledge and experience can result in insurers reconsidering previously declined claims.

Comprehensive, flexible and affordable employee benefits

Our experts will consult with you to understand the particular requirements of your company and to help solve the problems your business is facing, by supporting you with the most relevant and suitable employee benefits. We will deliver a customised health and wellbeing solution tailored to your needs and budget, which will help to support your plans to improve employee health, engagement and productivity.

Employee Benefits FAQs

Question

Why are employee benefits important?

Answer

Workers now expect employers to provide more than just a salary. As well as their income, employees consider the total reward package when selecting an employer. On the employer’s end, these benefits are an excellent way of attracting and retaining the most valuable, experienced staff, as well as helping to provide continuity should an employee fall absent due to ill health.

Question

What are the tax implications to the employer and employee?

Answer

The tax treatment depends on the kind of benefit being offered, with most employee benefits being taxable as a benefit in kind. Some benefits can also provide tax efficient means of covering the lives of key staff. Contact us today and speak to one of our employee benefits consultants to find out more.

Question

Can I provide cover for my employees' dependants?

Answer

Most employee benefits extend to the immediate family and can be used to cover dependants. More and more these days, we’re seeing employers cover the dependants of staff members as a gesture of goodwill that also helps to attract and retain top-tier experienced staff members.

Question

Can I insure staff working abroad?

Answer

Most benefits offered to UK staff can be extended to your staff seconded abroad, subject to that country’s legislation and UK rules governing the benefit in question. Contact us today and speak to one of our employee benefits consultants to find out more.

Question

Can you advise on benefits for staff on non-standard contracts, e.g., zero hour contracts?

Answer

We will work with you so that we can advise you on the relevant legislation, tax implications and your obligations to staff as an employer. Our team of consultants will then discuss the options available to you and recommend the most suitable solutions for your business and your staff.

Question

Can other products be incorporated in my employee benefits?

Answer

Yes. We’re happy to discuss the full range of services you might want to provide alongside your core employee benefits, which could include:

  • Private medical insurance (UK and/or international)
  • Group life cover
  • Group income protection
  • Group critical illness
  • Group travel insurance
  • Group dental insurance
  • Employee assistance programmes
  • Health assessments
  • Flexible benefits platforms
  • Business protection including shareholder, key person, relevant life

How do I make a claim?

When you need to make a claim, we’ll guide you through the process and get your claim settled as quickly as possible.

1.

Find your insurance documents

and make sure you have all your information at hand, including your policy number

2.

Give your insurer a call

on the number in your policy document and explain exactly what happened

Relaxed Person Making Claim