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Employee Benefits

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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.

Childcare Vouchers

Two ways to get maximum value from Childcare Vouchers...

Following the expense of  the summer holidays  -  registering for the Childcare Voucher scheme will help working mums and dads make their cash go further – and save their employer money at the same time. This salary exchange scheme allows working parents to pay for childcare prior to having tax and National Insurance deducted from their salary, saving many couples over £1,000 a year on childcare – and reducing the NI contributions their employer has to pay by up to £402 per employee per year.  Vouchers can be used for children from birth up to 1st September following their 15th birthday (or 16th birthday if they are registered as disabled). The scheme helps both parties: Hard-working parents are able to afford quality childcare, and their employers benefit from a happy workforce. For any parents who may still need convincing, we’ve got two suggestions to help them get even more value from Childcare Vouchers:

Use Childcare Vouchers to maximise your tax savings in the current financial year...

Employees who’ve been thinking about registering for the scheme but not got around to it yet should know that if they apply before the end of the current tax year (5th April 2017), they can backdate their vouchers to the beginning of the current tax year. This means that basic rate tax payers can claim their allowance of £243 per month, going back as far as 6th April 2016. They can select to use as much or as little of this allowance as they wish; a parent on basic rate tax registering in September 2016 for example, could claim a maximum of 6 months’ allowance in backdated vouchers - £1,458. Parents who want to take advantage of this tax saving need to act quickly - the sooner they register, the more they’ll be able to save.

Some conditions apply:

  • Employee must not have already used their childcare tax allowance 
  • Child must have been born prior to months being claimed
  • Employee must have parental responsibility for period being claimed
  • Employee must have been employed by current employer for period claimed
  • Deductions must not take employee’s earnings below the National Minimum Wage (company directors are exempt from this condition)

Use Childcare Vouchers to cover tuition fees...

While Vouchers are most often used to subsidise the cost of childminders, nurseries and playgroups, they are extremely flexible and can be used against a wide range of services including before and after school clubs and holiday clubs, helping parents to arrange the cover that best suits their working arrangements. Vouchers can also be extremely useful for parents of older children who are preparing for key stage examinations like the 11 Plus, SATS or GCSEs, as they can be used to help pay for tuition fees. (Please note that Childcare Vouchers can only be redeemed with registered childcare providers.)

Want to find out more...?

If you’re a working parent, register for Childcare Vouchers now to cut the cost of childcare and to save on tax; if you’re an employer with parents of children aged up to 15 in your workforce, encourage them to register for the scheme and reduce your overheads. Call us now on 01280 851113 to discuss the Childcare Voucher scheme, or any of our other employee benefit schemes in more detail, or email us.

Workplace Learning

Increase Workplace Skills & Knowledge for Less with Tax Savings on Work-Related Learning & Professional Fees...
Successful organisations recognise that ensuring employees are able to continuously develop job-related skills, and keep up to date with latest practices through training, helps them to establish and maintain a competitive advantage. Promoting a culture of self-improvement and ongoing professional development makes sound business sense, but can be expensive for employees – and employers too if they are picking up any part of the costs. Gemelli has schemes to assist with the advancement of proficiency and knowledge in a workforce, helping to make work-related training and professional subscriptions more affordable for employees:

Save on Work-Related Learning
Our Save as You Learn scheme helps employees further their opportunities to progress within an organisation, by developing their job-related skills. Operating on a salary exchange basis, the scheme allows an employee to exchange part of their salary to cover the cost of a training course without having to pay any Tax or National Insurance on the value – while also helping their employer by reducing  Employer National Insurance Contributions. The employee simply identifies the course or training they want to undertake to help them do their job better, or further their prospects in the organisation. It could be training, learning a language, or anything else – as long as it’s relevant, and approved by the employer, it will be covered by the scheme

Benefits to Employers
Save on Employer’s National Insurance Contributions
Foster a culture of professional development
Increase workforce skills and productivity
Helps recruit, retain and motivate staff
Self-financing

Benefits to Employees
Save up to 47% on training costs
Spread costs over 6 to 12 months
increase work-related skills
Enhance career prospects

Save on Professional Fees & Subscriptions
In many business sectors, employees are expected to pay for professional fees and subscriptions essential to their work. The Gemelli Professional Fees & Subscriptions scheme is available to any employee required to pay for professional membership that’s part of their employment, so long as it’s directly relevant to the job they currently do and recognised by HMRC. Also operating on a salary exchange basis, the scheme lets employees redirect payments through their salary, saving them up to 47% on the cost of professional subscription fees, while also reducing National Insurance contributions for their employer.

Benefits to Employers
Save on Employer’s National Insurance Contributions
Increase employee engagement
Helps recruit, retain and motivate staff
Self-financing

Benefits to Employees
Save up to 47% of the cost of Professional Subscription fees
Spread cost over 12 months
No need to enter on Tax Return

The Gemelli Save as You Learn and Professional Fees & Subscriptions schemes facilitate tax-savings to assist staff in affording ongoing professional development, and maintaining their professional status. By doing so, they benefit employees and the organisations they work for.

Start Saving Now
To find out more about Gemelli’s Save as You Learn and Professional Fees & Subscriptions schemes, call us now on 01280 851113, or email us.

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