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Employee Benefits

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Employee Assistance

Confidential Support & Advice for Life’s Challenges...
Introducing Gemelli's Employee Assistance Programme. It’s an understatement to say that modern life can be complicated. Work, family, relationships, finances, health and much more besides, there’s a lot to juggle. Even when everything is going well, balancing all of these areas can be demanding, and it doesn’t take much to upset the equilibrium; a problem at home or at work can cause worry and stress, and can escalate quickly if not addressed. At some time or another, we’ve probably all been guilty of ignoring a problem, pasting on a false smile and telling people everything is fine, when really it’s not. Taking this approach only serves to prolong things and make them worse – either in reality, or in our perception. 

Whether an issue is work-related or personal, a good part of the solution will usually involve talking it through with someone who can offer advice and support. Depending on the nature of the problem however, finding someone who is knowledgeable and impartial may not always be easy. Gemelli’s Employee Assistance Programme ensures that access to professional, confidential support and advice on a wide range of practical and emotional issues is only ever a phone call away.

How the Scheme Works
Gemelli’s Employee Assistance Programme (EAP) is a company-paid benefit that employers can provide free of charge to staff. It enables employees – and their immediate family, to access impartial advice and counselling on work and non-work related issues in strictest confidence. 

A 24/7 telephone support line manned by highly qualified professionals provides expertise on many topics. These are just some of the areas covered – employees can contact their EAP for support on anything that matters to them. As well as helping employees, an EAP can also supplement an organisation’s HR function by highlighting prevalent trends or issues, areas of concern, and training needs.

Personal

Emotional well-being
Stress, anxiety & depression
Disability & illness
Substance & alcohol misuse
Addictions & behaviours
Personal development

Work

Work-life balance
Bullying & harassment
Workplace pressure
Managing change
Workplace relationships
Careers

Family & Relationships

Childcare
Education
Elder care
Juggling work & family
Caring for others
Domestic abuse

Daily Living

Consumer rights
Health & wellness
Debt & money
management
Relocation
Community resources

Life Events

Pregnancy & new baby
Adoption
Marriage & cohabitation
Separation & divorce
Bereavement & loss
Retirement

 

Benefits to Employees
Supports emotional wellbeing
Provides practical, legal & financial advice on a wide range of issues
Helps prevent work related stress
Access to confidential telephone counselling 24/7​

Benefits to Employers
Low premiums
No minimum numbers required
Demonstrates a commitment to employee wellbeing
Contributes to a healthier, happier workplace
Reduces absenteeism & increases productivity
Highlights trends, issues & overall stress levels within a company

Address the Stress – Call us Today...
A stress-free team is a happy and productive team. Get in touch with us today on 01280 851113 to discuss the Gemelli Employee Assistance Programme in more detail with one of our experts, or email us.

Save on Home Tech & Mobiles

Switch On & Save...Tech & Mobile Salary Exchange Scheme
From smartphones and tablets to TVs and tumble dryers, we’re surrounded by technology designed to help make our lives easier, more fun – or both.  Accessing the very latest gadget or appliance can be expensive though, often necessitating a long wait while money is saved up, having to jump through credit checks and pay even more in interest charges, settling for a lower spec model or an inferior brand name. Gemelli’s Technology & Mobile Salary Exchange Scheme takes all the hassle out of buying technology. The scheme enables anyone to get the cutting edge device, home tech equipment or white goods unit they want right away from their manufacturer of choice, with no wait, no checks and no compromises. It even saves them money!


How the Scheme Works
The scheme gives employees the option to exchange a portion of their salary for the technology they want, allowing them to spread costs over 2 years and take advantage of savings in the form of discounts and reduced National Insurance payments. The process is simple. Registered employees are given access to a dedicated website where they can browse thousands of products by category, get detailed information on the savings they’ll make, and see how their take home pay will be affected. Once an order has been placed and approved by the employer, the product will be delivered to the employees’ home address, and at the end of the arrangement, the employee has the option to trade in their product for cashback, get a discount on a new item purchased through the scheme, or simply keep their product.


What Kind of Products Are Available?
The scheme covers tech and mobile products from leading brands such as Apple, HP, Samsung, Sony, Asus, Microsoft, L G and many others. There’s a huge range of technology to choose from including:

  • Home Technology (Including PCs - Laptops - Tablets - Smart TVs - Games Consoles - Audio Equipment - Cameras)
  • Large and Small Appliances (Including Tumble Dryers - Dish washers - Coffee machines - Fridges/Freezers)
  • And Mobile Phones

Saving Example Here’s a typical saving example based on buying an Apple iPad Pro over 2 years

IPad Pro
Product Cost: £549
Monthly Salary Exchange: £22.48
Saving (12%): £66
Monthly Take Home Reduction: £20.13
Cost after savings:  £483


Benefits to Employees

  • Access the latest technology for less
  • Save money through product discounts & reduced NI
  • Spread costs over 2 years
  • No credit check or deposit required
  • Access to a dedicated customer support helpline

Benefits to Employers

  • Help your staff make their money go further
  • Increase workforce engagement & loyalty without increasing payroll
  • Easy to implement & fully managed
  • Full protection - GAP Insurance included as standard

Contact Us Today
Introduce Gemelli’s Technology & Mobile Salary Exchange Scheme into your organisation, and help your employees get their hands on the technology they want right away and for less. Get in touch with us today on 01280 851113 to discuss this scheme in more detail with one of our experts, or email us.

Gym Membership

Gemelli Gym Membership Scheme: The Next Best Thing to a Gym in the Workplace...
Taking regular exercise is central to a healthy, happy life, and the effects go much further than just improving physical fitness. As part of a consistent regime, exercise can have a positive impact on general wellbeing, helping to boost the immune system, reduce stress levels, and contribute to better mental health. By far the most convenient way for most of us to get a regular fitness fix is to join a gym. We all need a little motivational nudge when it comes to keeping fit, and a gym offers a fun, encouraging environment where we can work out with other people, join in with organised classes and get professional instruction tailored to our individual needs. In short, you’re far more likely to get the results you want by joining a gym than by going it alone.

Our Gym Membership scheme is one of our most popular benefits. Simple and easy for businesses of any size to implement, the scheme enables employers to give their staff access to discounts of up to 20% on membership at thousands of gyms and health clubs right across the UK.

How the Scheme Works
It really couldn’t be easier, and there’s no administration for employers. The business pays a small monthly fee in order for staff to be able to access a dedicated website where they can search thousands of gyms and health clubs – including national brands such as Fitness First, LA Fitness and DW Sports. Once they’ve found their preferred gym, employees use a unique code to download a voucher which entitles them to membership at the best corporate discount available. Savings can be as much as 20% at some gyms; discounts apply even if the employee is already a member, and can also be taken up by family members. What’s more, in the unlikely event that an employee’s preferred gym is not currently participating in the scheme, we’ll contact the club and invite them to register as soon as possible.

Benefits to Employees

  • Stay fit & healthy for less
  • Save up to 20% on membership at thousands of gyms & health clubs
  • Choose from local authority & independent gyms to national chains
  • Discounts also apply to immediate family
  • 24 hour customer services helpline

Benefits to Employers

  • Promotes a healthier, happier workforce
  • Helps increase productivity & reduce sickness
  • A simple, flexible scheme with broad appeal that’s easy to introduce & requires no administration
  • Positions you as a caring employer who values their staff
  • Assists in the recruitment, retention & motivation of staff
  • Requires no minimum employee numbers to operate

Ready to Witness the Fitness?
Give your employees a benefit they’ll genuinely appreciate, and get a healthier, happier, more motivated workforce. Get in touch with us today on 01280 851113 to discuss this scheme in more detail with one of our experts, or email us.

Car Benefit Scheme

Gemelli Car Benefits Scheme
What’s Shiny, Green & Guaranteed to Make Everyone Happy? A Brand New Car through Gemelli’s Car Benefit Scheme... Car ownership brings independence and convenience; the ability to go wherever you want, whenever you want to, and it’s something most of us consider to be important – even essential. Motoring comes at a price though, and variable expenses like servicing and maintenance can make it difficult to budget – with unexpected bills seemingly guaranteed to arrive at exactly the time they’re least welcome.

But there is a way you can take all the uncertainty out of car ownership, enjoying worry-free driving and substantial savings - while knowing that you’re also helping the environment. Gemelli’s Car Benefit scheme lets you drive a brand new car for a fixed monthly payment that includes all your motoring outgoings apart from fuel. 

How the Scheme Works
Gemelli’s Car Benefit Scheme has a very low cost for employers to implement, and can be introduced into companies that have just one employee, or thousands. Under the scheme, which operates on a Salary Exchange basis, employees can agree to exchange a portion of their salary for a brand new car. As well as an all-inclusive package that includes insurance, maintenance and servicing, breakdown cover and replacement tyres, drivers on the scheme also benefit from manufacturer discounts and corporate finance rates – while those opting for Ultra Low Emission Vehicles (ULEVs) with CO2 emissions of 75 and below are able to take advantage of tax and NI savings. 

As well as being a great way to help employees drive new cars, Gemelli’s Car Benefit Scheme can help a business meet its environmental objectives. All cars on the scheme have their carbon offset to make them carbon neutral, and additionally, employers can select to introduce a CO2 emissions limit for cars in their fleet, so that at the same time as providing a highly valued employee benefit, a company can reduce its carbon footprint.

How Employees Benefit

  • An affordable way to drive a new car
  • Fixed monthly price covers all your motoring costs – just add fuel
  • Tax & NI savings for drivers choosing ULEVs
  • No credit check or deposit required

How Employers Benefit

  • No minimum employee numbers required
  • Scheme is fully outsourced & easy to implement
  • NIC savings on ULEVs
  • Helps to attract, engage, retain & motivate staff
  • No financial risk or liability – protection against staff going on maternity or sick leave, leaving their job or being made redundant
  • Supports your company’s environmental credentials by promoting the use of low emission cars & allowing you to set your own CO2 cap

Example Costs and Savings

Audi A3 Sportback
SE 1.6 TDI Manual
Gemelli
Scheme
Personal
Contract 
Mileage 10,000 10,000
Term 36 36
Deposit/Initial Payment £0 £3000
APR% 0% 6.3%
Net Monthly Cost £362.89 £248.88
Net Monthly Amount
including deposit
£362.89 £332.21
Insurance/ month Included £41.58
Road Tax/ month Included £15.00
Depreciation n/a n/a
Breakdown Cover/ month Included £4.17
Tyres Included £11.42
Service (parts & labour)/ month Included £36.17
End of Agreement Optional price
to purchase
£11,461.75
Net monthly amount £362.89 £440.55

 

Put Yourself in the Driving Seat
If you’d like to give your staff the option to drive a brand new car and save money on their motoring costs, create a happier, more motivated workforce, and reduce your company’s carbon footprint – all at no extra cost to your business – contact us today on 01280 851113 to discuss this scheme in more detail with one of our experts, or email us.

Salary Exchange Changes

Rule Changes to Salary Exchange Schemes, Your Questions Answered.

In his Autumn Statement, Chancellor Philip Hammond announced the government’s intention to make changes to rules on the way that some salary exchange schemes are taxed. Salary exchange schemes (also known as salary sacrifice schemes) provide companies with a way to enhance staff remuneration and lifestyle, improve morale, and create a real workplace differential without impacting on payroll. With rising inflation set to put pressure on both business and household budgets, many employers will be keen to understand the new rules coming into effect on 6th April 2017. A consultation process is ongoing, and final details are still to be confirmed, but we already know much of the important information.

To help employers and employees understand the impact of the new rules, our short Q&A provides answers to some key questions:

Q Will the rule changes affect all existing schemes?

A No. It’s important to recognise that not all schemes will be affected by the new rules. A number of key schemes will remain, continuing to offer tax and NI savings for employees and reducing employers’ NIC payments for the foreseeable future. They are:

  • Childcare Vouchers
  • Cycle to Work
  • Holiday Exchange
  • Ultra-Low Emission Cars (75 co2 and below)
  • Pensions & Pensions Advice

Q Which existing schemes will be subject to the new rules?

Some salary exchange schemes will no longer attract employee tax savings and employers NIC if they’re taken up after 5th April 2017. They are:

  • Health Screening          
  • Parking at Work
  • Professional Fees & Subs
  • Save as you Learn
  • Mobiles & Home Tech.

Q What will happen to existing arrangements on schemes subject to the new rules?

A  All existing arrangements on schemes subject to the new rules which are entered into before 6th April 2017 will continue until 5th April 2018 – with the exception of car contracts which will continue until 5th April 2021 - with the full tax and N I savings maintained until these dates.

Q Can employees still register for affected schemes ahead of the deadline?

A Yes. Up until 5th April 2017, employees can still register onto any scheme and take full advantage of the employee tax and NI savings which will apply up to 5th April 2018. Employers NIC savings will also apply up to this date. Important note: Although employees must enter into an arrangement before the April 2017 deadline to qualify for savings, salary deductions do not have to start immediately, so long as a start date is pre-determined.

Q Will the affected schemes still offer any benefits once the new rules apply?

Yes, although affected schemes will no longer attract tax savings once the new rules are applied, salary exchange schemes will continue to offer many benefits to employees. In particular:

  • Savings on National Insurance
  • Ability to spread costs without having to pay any interest
  • Convenience of making regular, predictable payments
  • No up-front costs, credit, insurance or reference checks
  • Access to corporate discounts in some instances

Are You Operating a Gemelli Salary Exchange Scheme Which Will be Subject to the New Rules?

If you’re an employer and you are currently running a Gemelli salary exchange scheme which is going to be affected by the new rules, we’ll be contacting you soon to discuss the options open to you and your employees. If you are concerned the changes may adversely affect staff morale, we can look at the possibility of continuing to operate schemes in a different format, or we can advise you on our range of voluntary and company-paid employee benefits. In the meanwhile, make sure that you and your employees don’t miss out on tax and Employers NIC savings. Contact us now to register onto a scheme before the 5th April 2017 deadline. Call now on 01280 851113, or email us.

Voluntary Benefits for 2017

Cut the Cost Of Living In 2017 With Gemelli Voluntary Benefits

We’re living through a period of economic uncertainty, and with inflation predicted to rise in 2017, household budgets – and business budgets too – are set to come under more pressure than ever. But it’s not all one-way; Gemelli has a range of voluntary employee benefit schemes which businesses can offer to staff, giving them access to specially negotiated discounts on a diverse selection of products and services.Voluntary benefits help employees save money, and help businesses demonstrate how much they value their staff. In many cases there is no cost to the employer, and because there are no minimum numbers, voluntary benefits can be implemented by companies of any size. 

We’ve chosen four of our most popular schemes to highlight here:

Gym Membership

A healthy workforce is a happy workforce, and Gemelli’s Gym Membership scheme can help employees get fit for less in 2017. For a small annual fee, employers can give staff access to discounts of up to 30% on membership at thousands of gyms, from low cost clubs run by local authorities to national brands such as Fitness First, LA Fitness and DW Sports. Using a unique passcode, staff log in to a dedicated website where they can find their preferred gym, and download a voucher giving them the best corporate discount available. Discounts apply even to existing members and their families – and if an employee wants to join a local gym that’s not currently part of the scheme, we’ll endeavour to register the club as soon as possible.

Health Cash Plans

The cost of health cover puts it out of reach to many people, but Gemelli offers a range of simple, affordable plans to meet every day healthcare expenses, starting from just £1.20 a week for basic cover. Employees pay a monthly fee that suits their budget, and depending on the level of cover, they can claim back part or all of the cost of their treatment. No medical or GP referral is required, and plans cover consultation and basic fees for registered dentists, opticians, chiropractors and physiotherapists, as well as specialist consultations and hospital bills. Dependent children aged up to 21 and in full-time education are covered free.

Home Utilities

The cost of essentials like gas, electricity, broadband, home and mobile phone make up a significant part of total outgoings for all households. Gemelli has teamed up with The Utility Warehouse to bring savings on a wide range of utility services. Operated by Telecom Plus PLC, The Utility Warehouse is recommended by the consumer publication Which?, and already provides savings to more than 375,000 UK customers. The flexible scheme lets staff opt to take one or more services – the more they take, the more they save, they’ll also get a cashback card giving extra savings off their utilities bill by earning cashback on their everyday shopping.

Wills & Estate Planning

Gemelli works with members of the Society of Will Writers to give employees access to discounted, fixed-price advice on wills, power of attorney, funeral plans, trusts and probate from independent professionals. More than two thirds of UK adults put off making a will until it’s too late, often with disastrous consequences for those left behind, but through this scheme, employees can get a properly drafted will in place to protect dependents and provide peace of mind. There’s even the option to have appointments over Skype or telephone for optimum convenience.

Contact Us Now & Cut Costs In 2017

Start the New Year by cutting the cost of living in 2017. Call us now on 01280 851113, or email us to find out more about our range of voluntary employee benefits .

Benefits Base

My Staff Shop

My Gemelli Staff Shop... Where Big Savings On Shopping Are Not Just For Christmas
With the countdown to Christmas already well underway, purses and wallets will soon start coming under increasing pressure.Everyone likes to make their hard-earned money go further whether they’re spending it online or in store, on everyday essentials or on indulgent luxuries, so imagine if there was a smarter way to shop; a way that meant not having to waste time trudging from store to store, or trawling the internet for the best deals.Imagine if it was possible to go to just one place to find everything – all at discounted prices; not just favourite high street brand names, but exclusive money-saving deals on holidays, dining, days out, gym membership, cinema tickets, cars, insurance, childcare, and loads more. And not just at Christmas either, but all year round.

There is – it’s called My Gemelli Staff Shop, and it allows employers to give their staff access to a world of discounts and exclusive benefits for a small monthly fee per person.

So Many Ways to Save
My Gemelli Staff Shop offers members so many ways to save it’s almost impossible to list them all, so here are just 5 highlights to give a flavour of the kind of savings employees can enjoy:

Saving on Shopping
A discount card saves members 7% on everything they spend in over 50 top high street retailers, and there are exclusive, member-only special offers uploaded to the My Gemelli Staff Shop website every day.

Savings on Holidays & Short Breaks
Discounts on package holidays, flights, hotels, car hire and other travel-related products and services.

Savings on Health & Fitness
Discounts on gym membership, eye care, health screening and many other deals to help you stay healthy and fit.

Savings on Dining Out & Days Out
Discounts on food and drink at thousands of restaurants, pubs and cafes, on entry to National Trust venues, theatre tickets and more.

FREE Employee Assistance Programme
With My Gemelli Staff Shop comes free, 24 /7 telephone assistance to help and advise on stress, legal issues and debt counselling. This Freephone service is available to immediate family too, and there’s no limit on how many times it can be used.

Benefits to Employers
Enhances employees’ pay at minimal cost.
Strengthens workforce engagement & loyalty.
Helps recruit, motivate & retain staff.
EAP element demonstrates you care about staff & their families & helps ensure a stress-free workforce.
Requires no minimum numbers & no administration.
Can be branded to your company.

Benefits to Employees
7% savings at a wide range of retailers with discount card.
Exclusive member-only deals every day.
Big savings on eating out, days out, holidays, gym membership & more.
Online cash back.
Free access to Employee Assistance Programme for all the family.

Help Your Staff Start Saving in Time for Christmas
Show your staff how much you appreciate them by helping them make their money go further all year round with My Gemelli Staff Shop. Call us now on 01280 851113, or email us to find out more about this highly cost-effective employee benefit and your staff could start saving on their shopping in time for Christmas.

Holiday Exchange

A better Work-Life balance with our Holiday Exchange Scheme...
Outside of work, we all lead very different lives. Our reasons for working and what we choose to do with our free time are as individual as we are. Our hobbies, responsibilities and commitments will vary widely, but for each of us, our general well-being, happiness – and our productivity in the workplace, are dependent on getting the balance right between work, and everything else that’s important to us. While we all aspire to this perfect work-life balance, achieving it is not always easy. Demands on our time can fluctuate for many reasons, with the result that the fixed annual leave allowance we receive as part of our package is not always sufficient. The Gemelli Holiday Exchange Scheme offers increased flexibility to employees and business owners, enabling employees to better manage their work-life challenges, improving workplace motivation – and helping both parties to save money.

How does our Holiday Exchange Scheme work?
The scheme gives employees the option to extend their contracted annual leave allowance by purchasing additional days holiday. How any extra days are used is up to the individual; they might choose to use them to spend quality time with their family, or put them towards a special event like taking an extended holiday, getting married or moving house. Operating on a salary exchange basis, employees can save up to 47% in Tax and National Insurance on the cost of buying unpaid leave, and spread the cost across 12 months, while their employer will save on their Tax and National Insurance Contributions.

Example Saving - The example below shows the savings for an employee taking an additional 5 days leave, repaying over 12 months:

Tax Band

Salary

Gross Cost of Additional Leave

Net Cost of Additional Leave

Tax and NI Savings

Monthly Deduction from Net Salary

Basic rate

£30K

£574.70

£390.84

£183.86

£32.57

Higher rate

£40K

£766.25

£444.48

£321.77

£37.04

 

Benefits to Employers
Attract and recruit the best staff.
Motivates staff, engender loyalty and improve retention.
Reduce absenteeism.
Reduce payroll costs and save up to 13.8% on Employer National Insurance contributions.

Benefits to Employees
Improve well-being and achieve a better work-life balance.
Enjoy greater freedom and flexibility.
Save up to 47% in tax and National Insurance contributions.
Spread the cost of extra days over 12 months.

The Gemelli Holiday Exchange Scheme can be implemented in businesses of any size, from those that have just a few employees, to those with thousands. We’ll take care of all administration, and get the scheme up and running so that all employers and employees have to do is start enjoying the benefits! We can structure the scheme in a way that best suits the business.

Find out more...
To find out more about the Gemelli Holiday Exchange Scheme, and how it can help promote a happier and more productive workforce, call us now on 01280 851113, or email us.

Cycle to Work

Fitter, greener and save money with Cycle to Work...

The daily commute to work is something most people have to face. It can be expensive – especially if you drive, and while it’s a necessity, it can feel like wasted time.  If you’re lucky enough not to live too far away from your workplace though, there is an alternative way of commuting that will save you money, reduce your carbon footprint and help you keep fit at the same time – cycling. Gemelli’s Cycle to Work scheme makes it easy for anyone to be able to afford a brand new bike and start cycling to work. If it’s something you’ve been thinking about but not got round to, either because you don’t have a bike, or you need to upgrade the one you have – this is the perfect solution for you. Operating on a salary exchange basis, the scheme allows employees to exchange part of their salary to cover the cost of a new bike and cycle safety accessories, up to a value of £1,000 – without having to pay Tax or National Insurance on the amount they choose to spend.

By using the Cycle to Work scheme, you can save up to 42% on the cost of a brand new bike and/or accessories. What’s more, you can spread your payments over 12 or 18 months.

Cycling has never been as popular as it is now. There are more cycle lanes and cycle paths than ever before, and if you’ve not been in the saddle for a few years, you’ll be pleasantly surprised how much bike technology has advanced. Why sit it out in traffic or put up with standing room only on the bus when you could be cruising to work on your bike?

The bike you like from wherever you want...
It couldn’t be simpler. Select the bike you want from the cycle retailer of your choice and leave the rest to Gemelli. We’ll take care of the paperwork, liaise with your supplier and organise delivery.

Benefits to Employees

  • Save up to 42% on a bike and accessories
  • Spread cost over 12 or 18 months
  • Use bike supplier of your choice
  • Cut the cost of travel to work by leaving your car at home
  • Improve personal health and fitness levels

Benefits to Employers

  • Save on Employer’s NI contributions
  • Improves environmental credentials
  • Supports the Green Travel Plan
  • Contributes to reducing absenteeism and increasing productivity
  • Scheme is self-financing

Contact us today and we’ll get you ready to ride...
If you’d like to make getting to work fun, keep fit and save money, contact us to find out more about the Gemelli Cycle to Work scheme. Call us now on 01280 851113, or email us.

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