020 7637 1606
info@ccibroking.co.uk

Group Pensions, Healthcare and Risk Benefits 

 

Group Healthcare Benefits

 

Often closely aligned to pension provision, group healthcare benefits are considered a vital part of employee benefit packages.

 

Healthcare provision for employees (also known as private medical insurance or PMI) is now being offered in a growing number of companies and not just in the large multi-nationals. Many small businesses also recognise that it is both a valuable investment in their staff as well as being a benefit much appreciated by employees.

 

Healthcare cover offers the following benefits:

 

  • Reduces consultation and hospital waiting times 
  • Accelerates a return to work due to timely treatment 
  • Minimises disruption through planned absence
  • Demonstrates to employees that they are valued 
  • Reduces the likelihood of employee litigation

 

If you'd like to find out more about how we can help you with your Group Healthcare Benefits please contact a member of our team.

 

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Group Risk Benefits

 

 

Group Risk benefits such as life assurance, income protection (also known as permanent health insurance or PHI) and critical illness insure employees in the event of death or long-term illness. They can make a tangible difference in attracting and retaining staff, however many employers fail to keep these up to date or to communicate the value of these benefits to their staff.

 

Furthermore, whilst such schemes may appear to be reasonably straight-forward, their interaction with state benefits, other employee benefits and various areas of law, including employment practice, discrimination and health & safety at work means that regular reviews are essential.

 

For HR teams, knowing that company employees are properly covered and benefits are settled appropriately is a key need. Additionally, the business will want to know that it is getting full value for the cost.

 

Working with the whole of the group health and risk insurance market, our specialist advisers can advise and guide you: how the arrangements work, how they may be used to recruit, retain and reward staff, meet any contractual employment obligations and how to achieve best value in terms of cost.

 

From a basic risk broking service through to scheme design and consultancy, as well as scheme administration and claims management assistance, we can provide you with full impartial advice on how to get the best out of your group risk benefit provision.

 

If you'd like to find out more about how we can help you with your Group Risk Benefits please contact a member of our team.

 

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Group Pensions


Every company with 5 or more employees must give access to a group pension scheme.

 

Our pension specialists can advise on new group pension scheme implementation as well as reviewing any existing pension arrangements. If your company at this point cannot contribute to a group pension for employees then we can set up a Stakeholder Pension Plan to provide your staff the access to a pension that legislation requires.

At one level, pensions can provide a simple tax efficient benefit for employees that allows them to plan in confidence for retirement. Alternatively, more comprehensive and complex arrangements can be used by the directors to fund the purchase of the company's premises or other commercial property and be part of an exit strategy for those nearing retirement.

 

Whatever your pension needs we can work with you to develop a solution which includes:

 

  • Recommending the most suitable retirement provision for directors and staff
  • Salary sacrifice - exploring opportunities for cost saving and benefit enhancement
  • Advice on SSAS, SIPP and GPP
  • A full service for occupational pension schemes
  • Purchase of commercial property 
  • Member communications - electronic and printed material 
  • Stakeholder Pension considerations
  • Meeting future needs in relation to Personal Accounts
  • The provision of advice and guidance to members
  • Advice on pension transfers
  • Retirement and redundancy counselling

 

Please note that CCI Broking Limited are not authorised to provide investment advice but we can arrange for an Independent Financial Adviser to contact you to provide impartial advice in these areas.

 

If you'd like us to arrange for an Independent Financial Adviser to help you with your Group Pensions arrangement please contact a member of our team.

 

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Contact details

 

CCI Broking Ltd

2nd Floor, 6 Market Place
London
W1W 8AF

 

Tel. No. 020 7637 1606

Fax. No. 020 7637 1607

 

Email: info@ccibroking.co.uk