SMART Retirement

Employees can also benefit from immediate tax relief at their highest marginal rate of tax, no need for higher rate taxpayers to claim through their tax returns.

Life Insurance

Provision of a Group Life Insurance plan goes a long way towards demonstrating an employer's genuine care for staff welfare as well as encouraging loyalty and reassuring staff that they are valued.

Disability Insurance

Employer/employee relations are strengthened in that both feel supported by each other. The company can manage the costs of sickness and absenteeism more effectively.

Private Medical Insurance

Private Medical Insurance is a policy normally taken out by an employer to enable their employees to receive eligible private treatment quickly with the minimum disruption, thereby helping to reduce the cost of sickness absence.

Private Medical Cash Plan

Cash sums are paid if you have to go into hospital, see a specialist, visit the dentist or optician or require alternative therapies such as homeopathy, acupuncture or physiotherapy. They are geared towards the day to day health expenses we all have to meet.

Employee Assistance Programme

Counselling is available over the phone or face to face, to help with both work and personal issues: family and matrimonial advice, bereavement, financial and legal advice (landlord problems, divorce, wills etc.), stress and depression, child and dependent care, domestic violence, health and harassment and access for dependents and partners.

Key Person Protection

The policy is owned and paid for by the employer, so any pay out is payable to the employer.

Eye Care

Eye Care vouchers are the simplest way to minimise paperwork and meet your legal obligations. Eye Care vouchers can be used in over 96% of the UK's opticians.

Absence Management Programme

Knowing that 80% of absence is avoidable, absence management can cut down on unnecessary staff absence and help potential longterm absentees on the road to a faster recovery.

Employee Survey

The main advantages to running surveys are that they allow problems to be identified in a measured and controlled manner.

You can measure and monitor how satisfied your staff are with their remuneration and benefits, and they provide a simple but effective method to measure the mood and morale of your business.

Online Employee Handbook

An online employee handbook can also provide a useful source of information to new or prospective staff as part of the induction or recruitment process.

A written handbook accessible online gives clear advice to employees and creates a culture where issues are dealt with fairly and consistently.

Online Personal Statements

Online Personal Statements can be designed to meet your specific requirements and branding.

They raise employees' understanding and appreciation of their complete benefits package, assist in shifting their focus away from base pay, help position you as an employer of choice, increase employee loyalty and enhance communication and engagement.

Holiday Trading

The number of days that can be bought and sold is predetermined by the employer. If employees buy extra days, the salary adjustment takes the form of a salary sacrifice, with resultant tax and NI savings for both the employer and employee. If employees sell days, the value of the days is added to their gross salary, and tax and NI is payable in the usual way.

Holiday days are usually valued at 1/260th of annual gross basic pay.

Critical Illness Insurance

The lump sum benefit can be used by the employee to help ease some of the financial problems that will inevitably occur, such as maintaining mortgage payments, making adjustments to the home and accessing treatment, often helping them to return to work sooner.

Businesses can protect their employees against the financial consequences of serious illness such as heart attack, cancer, stroke etc.

Health Screening

Operating via salary sacrifice, employees can make a saving of up to 42% of their chosen assessment, the cost of which can be spread over 12 months and collected via payroll.

The administration of the scheme is fully outsourced.

Group travel Insurance

Typically, plans can be extended to include, winter sports cover, golf trips, cruise cover, insurance for sport and adventure holidays, independent and business travellers.

Cover can be for the employee only or extended to cover partners and families.

Dental Insurance

Dental Insurance is a cost-effective solution which will allow you to choose the dentist you are treated by and give you the choice of opting for NHS or private treatment.

Wealth Adviser

Private Wealth Advice takes account of business, personal and family circumstances as well as your available assets and tax considerations, financial liabilities and your retirement planning.

Typically, an adviser will develop a financial plan that will benefit your employees and their families over the medium to long term, bringing peace of mind and financial security.

Online Discount Portal

It is an engaging and informative marketplace which offers your employees and their families thousands of opportunities to save money every day.

The schemes are packed with features including online discounts, cash back, vouchers and reloadable cards, local offers and competitions.

SMART Childcare Vouchers

Childcare Vouchers enable you and your employees to choose your own childcare provider and reduce your childcare costs.

If you accept Childcare Vouchers as a portion of your salary (salary sacrifice), you do not have to pay NI or tax on the amount you select, although government limits apply.

SMART Bikes

This is the fastest growing and most sought after employee benefit in the UK at the moment, it is easy to implement and manage and offers a highly valued benefit to your employees.

Charitable Giving

This is highly tax efficient way of giving to charity, any PAYE liability is calculated after the payroll giving contribution has been deducted from gross salary.

Once setup, there is nothing more for you to do other than change your nominated charities or the amount of your payroll giving deduction.

Mortgage Adviser

As we only partner with independent mortgage brokers, who are to influenced by bank, building society or estate agencies, they are able to recommend the mortgage that really is most suitable for you and your employees.

SMART Parking

The scheme can work with both national and local car parks, as well as in situations where employees are required to make a contribution to their employer for parking on work premises.

SMART Care Scheme

Designed to provide employees with a brand new, fully maintained and insured car, but at a significantly reduced cost, the scheme represents a very attractive proposition for both employer and employee.

SMART Mobile Phones

This means you can offer a new mobile phone and pay for it over 24 or 36 months from your pre-tax salary, therefore saving up to your highest rate of income tax off the high street price.

SMART Computers

This is where the text for the back of your card should go.

Discounted Health Clubs

These schemes offer discounted corporate membership at over 2,300 gyms and health clubs for employees and their partners.

Typically these schemes are available online and are simple to implement and administer.

Complementary Therapies

Supporting the health and wellbeing of your employees can improve motivation and engagement levels, in turn leading to improved productivity.

Examples of alternative strategies are health and wellbeing appraisals, onsite exercise sessions and onsite therapies like massage and chiropractic evaluations.

Diet & Nutritional Advice

We have access to fully qualified nutritionalists who will engage with your employees and offer onsite one to one appraisals and nutritional plans and guidance.