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What are Employee Benefits?

Employee benefits are a form of non-wage reward or compensation. These are provided in addition to their wages/salary. There are various types of employee benefit available to staff, and it can include the following:

  • Health insurance
  • Life insurance 
  • Dental insurance 
  • Vision insurance 
  • Long term disability insurance 
  • Retirement benefits 
  • Additional paid time off 

Employee benefits are often a great incentive for potential and existing staff to work hard and remain in their current company. To avoid confusion with this term, cases where employees exchange part of their wages for a form of benefit is more commonly referred to as salary packaging or a salary exchange. 

Why do I need Employee Benefits Insurance?

The main thing is that it shows your employees that you care about their health, welfare, and future. It’s valuable in the sense that you will have stronger employee loyalty and retention if they feel as though their employer actually cares about them as an individual. 

It also provides them with peace of mind, so if they get sick or need urgent treatment they are completely covered through their employer. This improves productivity, and gives employees confidence that their job is safe if they need the time off. Some packages even cover immediate family, so there is comfort in knowing that children and spouses can receive the help they need too. It’s the little things that make employees proud of the company they work for. 

Can Small Businesses have Employee Benefit Insurances?

Yes, small businesses can have employee benefit insurances, and it is actually fairly common to see things like health and life insurance offered by them. It’s quite affordable for small businesses to implement schemes like this, and it has a very positive impact on the company. 

Should I use an Employee Benefits Insurance Broker?

There are pros and cons to using a broker. They have the potential to get you the best price on insurance, and sometimes that low price is also the top deal in terms of extras within the package. However, you could be missing out on excellent packages from companies that you can only get quotes from direct as opposed to through brokerages. 

The best course of action is to go through the insurance broker, but also check out different companies by visiting them directly for a quote and to see what they have to offer. Much of the time, they will be willing to offer you a great deal and might even match competitors in order to give you the best value for money. 

Why choose Hooray Health & Protection for Employee Benefits?

We’re all about keeping things simple, breaking it down so that you aren’t overloaded with jargon and can make a clear decision about what you want. We offer fantastic prices, and packages that are full of benefits that your employees want and need to make their life easier as well as reduce stress for everyone. 

We’re all about the little guy, with focus on small businesses and what we can do to help them achieve an affordable and practical insurance policy. We don’t believe in big fees, and we’re happy to chat with you for as long as you need before you even make a decision. We understand how important this process is, and how tricky it can be to decide what to go for, which is why you have our constant support and patience. 

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Group Critical Illness – FAQs

•Is Group Critical Illness claimable as a business expense?

If the policy is paid by the business and not a voluntary scheme you will usually be able to qualify for tax relief on the premiums but we always advise checking with your accountant first

•How can I get a Group Critical Illness Quote Comparison?

Hooray Health & Protection provide a free comparison of the market. Group Critical Illness insurance prices can fluctuate significantly due to the lack of providers. We ensure you’re not overpaying for your policy with our market comparison service.

•Is Group Critical Illness a P11D benefit?

Yes the premiums are classed as a P11D benefit for employees.

•Are Group Critical Illness Payments Taxable?

Claim payments made to your employees will be tax free.

•What costs are involved when setting up a Group Critical Illness policy?

Hooray Health & Protection do not have any additional costs for arranging your Group Critical Illness policy as we are paid by the insurance companies we place business with.

Help & Support

If you have any questions, please call us on 01273 222805 or email our director at [email protected]

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