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Employee Benefits Advice for Corporate Clients

Life and Health Care Benefits


There are a number of employee benefits that you can implement to take care of your employees should they become unwell or die to ensure they or the people they care about are provided for.

Group Life Assurance

Group life assurance typically pays a multiple of salary to an employee’s family should they die whilst working for the company. Group Life cover is now seen as an essential part of the benefits package by most employees. It provides a company’s staff with the peace of mind of knowing that their loved ones will be provided for financially if they die.

Group Income Protection

Group Income Protection schemes are designed to help employers to manage long-term sickness absence more effectively. By providing a guaranteed income for employees who are unable to work as a result of illness or injury, an employer can help to financially support them through what can be an emotionally and financially stressful time.

Long-term employee absence can take a heavy toll on a company’s productivity, and consequently its’ bottom line. In addition to bearing the basic costs of the employee’s salary and temporary cover, the employer may be required to adapt the workplace, implement a positive rehabilitation strategy and operate a policy of support for employees who have become incapacitated - so the initial cost of an absence can become substantial.

Your employees are three times more likely to get a long-term illness or injury than to die during their working life.

Group Critical Illness

Nothing in life is certain, and the diagnosis of a critical illness such as cancer or a stroke is a reality that many individuals have to face. With the right support, many people diagnosed with a serious illness are able to make a full recovery and return to work.

Group Critical Illness offers a living benefit paid in the form of a one-off tax-free lump sum if a condition defined under the cover is diagnosed and survived for 14 days or more.

The benefit can be tailored to vary the amount of cover per employee and eligibility for the scheme. Many ‘higher risk’ occupations can be included, allowing the employer to extend cover to a wider range of employees, who may not be eligible for other benefits. 

Private Medical Insurance

Private medical insurance could be considered as one of the most highly valued company benefits you can offer your employees, and we provide a range of corporate health insurance solutions that help keep businesses of all sizes across the country, fit, healthy and productive.

It is designed to simply get your employees prompt access to treatment and diagnosis helping them to get back to work quickly. It can also be designed to provide benefits for out-patient clinical and complementary practitioners - such as physiotherapy and psychiatric treatment both as an in-patient and an out-patient.

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