Choose from the following categories or use the search to view our Q&As below

What is Group Life Assurance?
Group Life Assurance will pay a tax-free lump sum and/or a longer-term income to an employee’s family and dependants in the unfortunate event of them dying in service.
What is Group Income Protection Insurance?

If an employee is absent and unable to work due to illness or injury, Group Income Protection Insurance will provide a replacement income, as well as help employers manage long-term absence more effectively. Some schemes will also insure pension and national insurance contributions. The level of cover is usually based on a percentage of employee earnings and can include bonus, overtime and other allowances, in addition to basic salary. The policy would begin to pay out after a set period of time or ‘deferred period’ (normally 26 weeks), following an insurer assessment of relevant medical information.

The cost of Group Income Protection depends on a number of factors, such as the level of benefit offered, number of employees covered and the length of the deferred period before a claim can be submitted. Although Group Income Protection Insurance for employees is not a legal requirement for companies, it is a great benefit for employees and can aid staff retention, attract top candidates, help reduce costs as a result of absence due illness or injury and give your employees financial peace of mind.

What’s the difference between cash plans and Private Medical Insurance (PMI)?
Cash plans offer money back on everyday healthcare bills, such as dentist, optician or physio appointments, up to annual limits, whereas Private Medical Insurance gives you more comprehensive cover for medical conditions. These can include consultations, diagnosis or surgery.
What is Private Medical Insurance (PMI)?
Private Medical Insurance will cover your employees for treatments for acute conditions (such as a disease, illness or injury that is likely to respond quickly to treatment) that develop after the policy has started. The level of cover your employees have on their health insurance will depend on the policy that you take out.
Workplace Pensions: What are Auto Enrolment contributions?
Since 6th April 2019, employers and staff have to contribute a minimum of 8% (5% for staff and 3% for employers) into their automatic enrolment workplace pension scheme. Click here to find out more about this update.
Workplace Pensions: What is Auto Enrolment?

Auto Enrolment requires every employer to put their qualifying staff into a workplace pension scheme. A workplace pension scheme is a savings plan for employees, arranged by the employer to help them save money for later in life. Typically, the employer and the government will also contribute to the pension scheme.

Auto Enrolment was first introduced under the Pension Act 2008 when the UK government discovered that too few employees were putting money aside into a pension. Employers must auto-enrol the following qualifying employees in the workplace pension:

• Those who work in the UK

• Those who are aged between 22 and State Pension age

• Those who earn more than £10,000 a year