+ Choices

The best benefits programme is the one your employees choose for themselves.

Today’s workforces are becoming more and more diverse, and as everyone travels through life their priorities also change. Allowing your employees to achieve the right level of flexibility with their benefits will maximise their engagement and uptake and gives you a real advantage over traditional fixed schemes and other employers.

Plusyou choices provides an intuitive, user friendly and flexible benefits administration solution.

With plusyou choices you can

  • Provide a range of attractive benefits to suit everyone including salary sacrifice, NI efficient or special discounted products
  • Save employees money on many options through reduced tax & NI liabilities as well as in some cases also reducing your employer liabilities
  • Choose from over +30 ready to go options that have already been proven and tested via our approved suppliers
  • Incorporate existing schemes or benefits, consolidate multiple providers and streamline your processes into the plusyou portal
  • Work with one experienced provider offering a fully managed service handling scheme design, administration, technology and communications
  • Give your employees control over what they choose to receive and when, and use their feedback to shape the on-going programme
  • Provide an extremely cost effective way to give choice to your people without losing control

Here are a summary of our most popular benefit options you can easily incorporate into +choices

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Childcare Vouchers

Childcare Vouchers are hugely popular with employers and employees alike as both save on NI with employees also saving on tax. A growing number of men as well as women are now taking advantage of Childcare Vouchers. Employers stand to make significant savings whilst parents can use them to send their children to nurseries, play schemes, after school clubs and summer camps - right up to the age of 15.

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Computers

The Computer scheme allows employees to spread the cost of a new computer or tablet over a period of 36 months. The scheme is great for those who can’t afford the full payment in one hit or simply don’t want to and would rather spread the cost whilst saving on tax. Employees can choose from leading manufacturers including Apple, Acer, Samsung, Sony and more.

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Cycle to Work

The Cycle to Work scheme is a fantastic government approved initiative that employees love as they can get themselves a brand new bike and equipment for a fraction of the price. The scheme is central to any company ‘go green’ policy and is a great encouragement to employees to leave their car behind, cycle to work and relish the health benefits whilst reducing their carbon footprint.

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Green Cars

The Green Cars scheme has been allowed by the Government to encourage more people to drive low CO2 emission cars. To encourage the movement to modern cars with lower emissions employees are able to save on tax and NI. Employees could be driving around in a brand new BMW, Volkswagen or a choice of many other cars at vastly reduced rates with a NI saving for the employer.

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Health Screening

Health Screening is a cost effective way for employees to get a full check up on their health with a doctor so that any future health risks can be identified and counteracted with lifestyle, fitness and nutrition advice. A healthy employee is less likely to take time off sick and show higher levels of energy and productivity.

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Mobiles

The Mobile scheme offers great value on the latest handsets with contracts from leading providers. Many people will be used to paying a monthly contract, the transition to paying for a phone via Flexible Benefits is a small one and has the added benefit of the employee saving on tax and NI with the employer also saving on NI.

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Payroll Giving

With Payroll Giving participants can donate to any charity of their choice as long as they are a UK registered charity or a charity recognised by the HMRC. Payroll Giving works by participants choosing to donate to the charity or charities of their choice by setting up a monthly donation to go to their selected charity or charities from their monthly pay whilst saving on tax.

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Dining Cards

The opportunity to experience 2 for 1 or up to 50% off at thousands of leading restaurants. A smart phone app is available for download so members can locate their next dining experience.

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GymFlex

Gym Flex gives participants of the scheme access to a large number of health clubs at a discount. With over 1,500 participating health clubs including Virgin Active, LA Fitness, Nuffield Health, David Lloyd, DW Sports and Fitness First, participants of the scheme can select the health club they want and save up to 50% on standard membership rates.

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Health Cash Plan

A Health Cash Plan reimburses participants for routine and emergency healthcare costs. The scheme gives participants easy, highly affordable access to treatment whenever they need it and can be used towards dental check-ups and treatment, eye-sight tests, new glasses and contact lenses, and therapy treatments such as physiotherapy and chiropody.

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Dental Insurance

The Dental Insurance benefit is designed to help manage the cost of any routine dental treatment and guard against any unexpected accidents and emergencies. Plans are generally available regardless of age or dental history and even include pre-existing dental conditions.

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Holiday Trading

Holiday Trading allows participants the flexibility to buy or sell their holiday to accommodate their lifestyle needs. When holiday days are purchased it becomes a salary sacrifice benefit allowing participants to benefit from Tax and NI savings. When holiday days are sold, the value will be added to the gross salary of participants, resulting in Tax and NI being payable, as usual.

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Life Assurance

Life Assurance enables participants to have peace of mind knowing that their loved ones will be protected in the unfortunate event of their death. In many instances Critical Illness Cover can be added on to many policies to help ensure that all eventualities are covered.

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Pension

As part of your benefits package, participants of the Pension scheme may receive a monthly pension contribution from their employer into the group personal pension plan (dependent on the type of Pension scheme available which varies among employers). The plan has the flexibility to allow participants of the Pension scheme to make their own pension contributions, making this a fantastic way to save towards retirement.

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Private Medical Insurance

Private Medical Insurance (PMI) provides participants with fast access to the most up to date specialist treatment. The benefit is designed to help people and their family with the cost of consultations and diagnostic fees and helps provide access to affordable treatment for specialised conditions without the need to wait for NHS treatment. All eligible bills will be settled on the participant’s behalf, in full, directly with the hospital or specialists.

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Travel Insurance

Travel Insurance is designed to save time and money if participants travel more than once or twice a year. Cover will last a whole year for annual worldwide or European holiday travel including winter sports, with long trip durations of up to 60 days available, dependant on the Insurance provider.

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Will Writing

The will writing employee benefit gives friends, family and loved ones protection, in case the worst should happen and it ensures that the wishes after death are executed as instructed in the will. One of the advantages of this scheme is that the participants are advised and never sold to, so they feel that they are getting the best possible service.

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Wine Club

Become a wine connoisseur by joining the wine club! This scheme enables participants to purchase fantastic wines, all of which will be delivered direct to their door every month with a £156 saving every year! There are 4 wine plans to choose from – each case of six wines are specially selected and delivered direct to the participants and are available for selection in all reds, all whites or mixed cases.

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Personal Accident

Personal accident insurance covers an extensive range of accidents and pays out a cash lump sum. Insurance cover normally includes an independent financial helpline to provide financial information and advice. This helps participants and their families manage their money following a serious accident that causes death or permanent injury.

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Critical Illness Cover

This benefit protects the participants if they are diagnosed with a critical illness. The benefit is designed to pay off their mortgage, debts, or pay for alterations to their home such as wheelchair access should they need it. Tax-free cash lump sum payment will be paid if the policyholder develops a critical illness as covered in the policy terms.

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Income Protection Insurance

With Income Protection Insurance, loss of income due to illness or injury need not be a cause of concern. This pays a monthly amount to participants in the event that they are unable to work due to incapacity caused by illness or injury. This benefit gives the participants of the scheme the flexibility to decide where they allocate the money, for example to mortgage payments, hospital fees, household bills etc. This flexible benefit is only usually available where the Company already offers a level of protection as a core benefit.

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Death In Service

Death in Service pays out a lump sum, if you die during your employment. Death in Service is up to eight times your annual salary. Schemes are often set up under a discretionary trust, this means you can be assured who will receive the benefits in the event of your death.

Employee Assistance (EAP)

Employee Assistance Programmes (EAP) enables employers to offer advice and support to employees. The service is paid for by the employer and it provides a range of support services to employees and, in most cases, immediate family members. A central component of an EAP is the provision of face-to-face, short-term counselling either near to or where the employee lives or works.

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Car Parking Scheme

With the cost of parking constantly increasing, many employers are now opting to offer a salary sacrifice car parking scheme for their employees. The scheme allows employees to save up to 41% on their annual parking costs.

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Bring Your Own Device

Bring Your Own Device (BYOD) is an excellent benefit which boosts productivity by allowing employees to use their own laptops, smartphones, tablets and other devices for work related duties. Employers contribute towards the cost of the equipment and/or software with the employees opting to salary sacrifice for any additional spend over the agreed contribution amount.

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Annual Bus Pass

The Annual Bus Pass scheme is part of a Government initiative to allow tax relief on bus travel to work in order to encourage people to use sustainable transport. The employer enters into a contractual arrangement with a bus provider and in return they provide season tickets to their employees for use on the bus services free of tax and National Insurance

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Discount Shopping

Employees opt to purchase a certain amount of vouchers every month through salary sacrifice, giving them access to substantial annual savings on their regular supermarket and household shopping. The scheme typically runs for 12 months and the retailer must be predetermined before the reduction in salary.

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Emergency Childcare

A solution for working parents so they can search and book last minute nannies, nurseries and child-minders should they need to for emergency situations, for example their normal nursery is closed, their child is ill, etc. The employee can call the helpline number and be put in touch with various approved childcare providers in their area.

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Breakdown Cover

This Travel Care Package provides employees with annual Vehicle Specific breakdown cover, a 24/7 help & support non fault accident aftercare service, 10% discount on non-franchised servicing, repair and MOT and access to competitive UK and Worldwide Car Hire rates.

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Eyecare

Employers are legally obliged under health and safety regulations to provide eye care tests and in some cases glasses to certain employees of their workforce. We can help ensure your legal requirements are met while offering a scheme which reduces your administrative burdens and providing a highly valued employee benefit.

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